Loan Calculator Ireland
Free loan calculator Ireland to calculate monthly payments, total interest, and compare rates from AIB, PTSB, EBS, Credit Union, Bonkers.ie, and more. Perfect for car loans, house loans, mortgages, and personal loans.
Loan Type
Loan Details
Down Payment: 20.00%
Calculated from price and down payment
Enter as percentage (e.g., 6.5 for 6.5%)
Common: 3, 5, 7 years
Summary
Payment Schedule
Loan Calculator Ireland - Your Comprehensive Guide to Loan Planning
Whether you're planning to buy a car, purchase a house, secure a mortgage, or take out a personal loan in Ireland, understanding your loan payments is crucial for making informed financial decisions. Our free loan calculator Ireland helps you estimate monthly payments, total interest costs, and repayment schedules before committing to any loan agreement with Irish lenders like AIB, PTSB, EBS, Credit Union, and Bonkers.ie.
What is a Loan Calculator Ireland?
A loan calculator Ireland is a financial tool specifically designed for the Irish market that computes your monthly loan payment based on key parameters: loan amount, annual interest rate, and loan term. It provides a clear breakdown of how much you'll pay each month, how much interest you'll accrue over the life of the loan, and how extra payments can reduce your total cost and repayment time. Whether you're comparing rates from AIB, PTSB, EBS, Credit Union, or using Bonkers.ie to find the best deals, our calculator helps you make informed decisions.
Supported Loan Types in Ireland
Our loan calculator Ireland supports various loan types to help you plan for different financial needs:
- Car Loans Ireland: Calculate payments for new or used vehicles with terms typically ranging from 3 to 7 years. Compare rates from AIB, PTSB, EBS, Credit Union, and other Irish lenders.
- House Loans Ireland: Plan your home purchase with house loan calculations for 20, 25, or 30-year terms. Perfect for first-time buyers and property investors in Ireland.
- Mortgage Calculator Ireland: Calculate mortgage repayments, borrowing capacity, and compare rates from EBS, PTSB, Credit Union, Bonkers.ie, AIB, and Bank of Ireland. Essential for first-time buyers and mortgage switchers.
- Personal Loans Ireland: Estimate payments for unsecured personal loans used for debt consolidation, home improvements, or major purchases. Compare rates from Irish banks and credit unions.
Key Features
Monthly Payment Calculation:
Calculate your fixed monthly payment using standard amortization formulas
Lender Comparison:
Compare rates from AIB, PTSB, EBS, Credit Union, Bonkers.ie, and Bank of Ireland to find the best deal
Affordability Calculator:
Calculate how much you can borrow based on your income and expenses, following Irish lending rules
Extra Payment Options:
See how monthly or one-time extra payments can reduce your total interest and shorten your loan term
Complete Amortization Schedule:
View detailed month-by-month breakdown showing principal, interest, and remaining balance
Export Functionality:
Export your payment schedule to CSV for further analysis or record-keeping
Irish Loan Rates and Lenders
Ireland offers competitive loan rates from various lenders. Our calculator helps you compare rates from major Irish banks and financial institutions:
- AIB (Allied Irish Banks): One of Ireland's largest banks offering competitive mortgage and personal loan rates
- PTSB (Permanent TSB): Popular choice for mortgages and car loans with flexible terms
- EBS (Educational Building Society): Specializes in mortgages and home loans for first-time buyers
- Credit Union: Member-owned financial cooperatives offering competitive rates on personal and car loans
- Bonkers.ie: Ireland's leading comparison website helping you find the best loan rates
- Bank of Ireland: Major Irish bank offering comprehensive loan products
How to Use the Loan Calculator Ireland
Using our loan calculator Ireland is simple and straightforward:
- Select your loan type (Car Loan, House Loan, Mortgage, or Personal Loan)
- Enter the loan amount or purchase price and down payment
- Input the annual interest rate (compare rates from AIB, PTSB, EBS, Credit Union, Bonkers.ie)
- Choose your loan term in years
- Optionally add extra payments or use the affordability calculator to see how much you can borrow
- View your monthly payment, total interest, and complete payment schedule
- Compare rates from different Irish lenders to find the best deal
Irish Mortgage Rules and Regulations
When calculating mortgages in Ireland, it's important to understand the lending rules:
- Loan-to-Income Ratio: Typically 3.5x annual income for first-time buyers, 3x for others
- Loan-to-Value Ratio: Maximum 90% for first-time buyers, 80% for others
- Stress Testing: Lenders test your ability to repay at higher interest rates
- Central Bank Rules: Irish Central Bank regulations govern mortgage lending
Tips for Getting the Best Loan Rates in Ireland
- Compare rates from multiple lenders using Bonkers.ie or directly from AIB, PTSB, EBS, Credit Union
- Improve your credit score before applying
- Consider a larger down payment to reduce your loan amount
- Shop around and negotiate with lenders
- Consider fixed vs. variable rates based on your risk tolerance
- Use our affordability calculator to understand your borrowing capacity
Start planning your loan today with our free loan calculator Ireland. Compare rates from AIB, PTSB, EBS, Credit Union, Bonkers.ie, and other Irish lenders to find the best deal for your car loan, house loan, mortgage, or personal loan needs.