Ireland · Loans & Debt

Irish Loan & Debt Calculators

Personal loans, car finance, credit cards, mortgages — every credit product in Ireland comes with an APR you can compare and a repayment schedule you can model. The calculators in this hub run the standard amortisation formula used by Irish lenders, compare deals side-by-side on like-for-like APR, and help you size a debt-payoff plan when you've got multiple balances stacked up. Use them before signing finance or to plan an overpayment strategy that clears debt faster.

Calculators

Loan Repayment

Calculate monthly repayments on a personal loan

Car Loan

Calculate monthly payments for car finance

Credit Card Payoff

See how long it takes to pay off your credit card and total interest paid

Debt Payoff

Compare snowball vs avalanche strategies for paying off multiple debts

APR Comparison

Compare loan offers by their true annual percentage rate

Key terms

Annual Percentage Rate (APR)

The total yearly cost of borrowing — interest plus mandatory fees — expressed as a single percentage to make loans comparable.
Personal Contract Plan (PCP)

A car finance product split into a deposit, monthly payments, and a large optional final 'balloon' payment that you can pay, refinance, or hand the car back to settle.