COMPOUND TOOLS
Useful numbers, without the spreadsheet.
Free calculators for money, property, home energy and everyday health decisions in Ireland. No account. No form submission. Your entries stay in your browser.
Explore Insurance Tools & Guides: life cover, mortgage protection and income risk ↗
PROTECTION & INSURANCE
Insurance Calculators
Five dedicated insurance planning tools with clear calculations and Irish consumer guidance. Explore the Insurance hub ↗
Health Insurance Cost Comparison
Compare total annual costs of two policies using your own cover details.
Open tool → InsuranceHome Insurance Rebuild Cost
Model buildings cover and a potential shortfall using floor area and rebuilding rates.
Open tool → InsuranceCritical Illness Cover
Estimate a family contingency for illness-related financial disruption.
Open tool → InsuranceDeath-in-Service vs Life Insurance
Compare workplace protection with ongoing family needs.
Open tool → InsuranceInsurance Premium Savings
Model premium differences across four insurance categories.
Open tool →01
Mortgages & Home Buying
Mortgage, affordability, deposits, switching and home-buying costs.
Mortgage Calculator Ireland
Estimate monthly mortgage repayments, total interest and the total amount repaid over the term.
Open tool → Mortgages & Home BuyingMortgage Overpayment Calculator Ireland
See how an extra monthly mortgage payment could shorten your term and reduce interest.
Open tool → Mortgages & Home BuyingMortgage Borrowing Calculator Ireland
Estimate the standard Central Bank loan-to-income ceiling, the purchase price your deposit can support and which constraint binds first.
Open tool → Mortgages & Home BuyingHouse Deposit Calculator Ireland
Calculate the standard minimum deposit, maximum LTV mortgage and how your own cash position compares.
Open tool → Mortgages & Home BuyingStamp Duty Calculator Ireland
Estimate Irish residential property Stamp Duty and see exactly how each progressive rate band contributes.
Open tool → Mortgages & Home BuyingLocal Property Tax Calculator Ireland 2026
Estimate 2026 Local Property Tax from the 2026–2030 valuation bands and your local authority adjustment.
Open tool → Mortgages & Home BuyingHelp to Buy Calculator Ireland
Estimate the maximum Help to Buy refund, including the Budget 2027 increase in the scheme cap to €35,000.
Open tool → Mortgages & Home BuyingFirst Home Scheme Calculator Ireland
Estimate the funding gap a First Home Scheme equity share could potentially bridge.
Open tool → Mortgages & Home BuyingRent vs Buy Calculator Ireland
Compare a homeowner's net-equity path with a renter who invests the deposit, avoided buying costs and any monthly cash-flow advantage.
Open tool → Mortgages & Home BuyingMortgage Affordability Calculator Ireland
Compare the Central Bank income ceiling, your deposit/LTV constraint and a user-set repayment budget, with an optional net-income household budget check.
Open tool → Mortgages & Home BuyingHouse Buying Costs Calculator Ireland
Build a completion-cash budget from your deposit, current residential Stamp Duty and editable professional, moving and setup costs.
Open tool → Mortgages & Home BuyingMortgage Switch & Rate Change Calculator Ireland
Compare your current mortgage with a new rate or lender, including switching costs, break fees, cashback and a new mortgage term.
Open tool →02
Pensions & Investing
Long-term saving, pensions, retirement planning, net worth and investing.
Savings Goal Calculator Ireland
Turn a savings target into a timeline, then stress-test contribution increases, annual lump sums and a target that may itself rise over time.
Open tool → Pensions & InvestingNet Worth Calculator Ireland
Build a clear household balance-sheet snapshot from your assets and debts, then see what is driving your net worth.
Open tool → Pensions & InvestingPersonal Investment Account (PIA) Calculator Ireland
Project Ireland's new Personal Investment Account, estimate when the €50,000 threshold may be crossed and model the 1% annual PIA charge above it.
Open tool → Pensions & InvestingRegular Savings Calculator Ireland
Project a regular saving or investment plan, then show the effect of contribution increases, annual fees and inflation.
Open tool → Pensions & InvestingPension Tax Relief Calculator Ireland 2026
Estimate how much of a new employee or personal pension contribution falls within Revenue's age-related relief limit after allowing for contributions already using that limit.
Open tool → Pensions & InvestingInflation Calculator Ireland
See how inflation compounds future prices, erodes a fixed amount of cash and changes the real return on savings or investments.
Open tool → Pensions & InvestingEmergency Fund Calculator Ireland
Build an emergency-fund target from recurring essentials, irregular essential bills and an optional extra buffer, then calculate the savings path.
Open tool → Pensions & InvestingInvestment Fee Impact Calculator
Compare two fee structures and see how percentage fees, fixed annual charges and contribution charges can compound into different long-term outcomes.
Open tool → Pensions & InvestingFIRE Number Calculator Ireland
Build a financial-independence target from spending, a chosen withdrawal rate and a today’s-money accumulation path, then stress-test fees, other income and target sensitivity.
Open tool → Pensions & InvestingRetirement Income Calculator Ireland
Combine portfolio withdrawals with State Pension and other income, then stress-test a deterministic retirement path for fees, inflation and lower returns.
Open tool → Pensions & InvestingPension Projection Calculator Ireland
Project a pension pot from current savings and contributions, then test contribution growth, annual AVCs, fees, inflation and a lower-return scenario.
Open tool → Pensions & InvestingMyFutureFund Auto-Enrolment Calculator Ireland
Check likely MyFutureFund participation status, model the 2026 contribution split and project employee, employer and State contributions under the statutory phase-in.
Open tool → Pensions & InvestingPension Lump Sum Calculator Ireland
Estimate a 25% personal-pension retirement lump sum and how Ireland's €200,000 lifetime tax-free limit and €500,000 standard chargeable threshold can affect the tax due.
Open tool → Pensions & InvestingCompound Interest Calculator Ireland
Model contributions, growth, inflation, fees and long-term savings scenarios.
Open tool →03
Home Energy
Solar, electricity, BER, retrofit and home-energy planning.
Planning solar panels? Explore the Compound Solar Hub — grants, costs, batteries and installers ↗
Electricity Cost Calculator Ireland
Estimate an appliance's incremental electricity use and running cost, with Advanced controls for cycling/duty cycle and off-peak usage.
Open tool → Home EnergySolar PV Payback Calculator Ireland
Model solar PV payback with or without the SEAI grant, plus household demand, EV charging, battery storage, export income and night-rate battery charging.
Open tool → Home EnergyBER Energy Cost Calculator Ireland
Turn an energy-use figure into an indicative annual cost and compare it with a target efficiency level.
Open tool → Home EnergySolar + EV + Battery Optimiser Ireland
Compare solar-only, solar with smart EV charging, solar with a battery, and a combined solar + EV + battery setup side by side.
Open tool → Home EnergyWhole-House Retrofit Planner Ireland
Combine upgrade quotes, current One Stop Shop grant values and an editable energy-saving assumption into one retrofit budget and payback plan.
Open tool →04
Tax & Take-Home Pay
Irish income tax, take-home pay, USC, PRSI and other common taxes.
Capital Gains Tax Calculator Ireland
Estimate Irish CGT using the 31% standard rate from 7 October 2026, while retaining the earlier 33% rate and 33% development-land treatment.
Open tool → Tax & Take-Home PayVAT Calculator Ireland 2026
Add or remove Irish VAT at common 2026 rates.
Open tool → Tax & Take-Home PaySalary to Hourly Rate Calculator Ireland
Convert an annual gross salary into monthly, weekly, daily and hourly gross pay using the working pattern you actually want to compare.
Open tool → Tax & Take-Home PayBudget 2027 Calculator Ireland
Compare a household under 2026 and Budget 2027 rules across PAYE, USC, PRSI, Rent Tax Credit, childcare and selected welfare measures.
Open tool → Tax & Take-Home PayEmployer Cost Calculator Ireland 2027
Calculate the 2027 cost of employing staff from hourly pay, employer PRSI, optional pension/MyFutureFund contributions and other recurring employment costs.
Open tool → Tax & Take-Home PayTake-Home Pay Calculator Ireland 2027
Calculate Irish net salary from gross pay after PAYE, USC, Class A PRSI and optional pension deductions. Compare 2026 with Budget 2027 figures.
Open tool → Tax & Take-Home PayIncome Tax Calculator Ireland 2027
Calculate 2027 Income Tax before and after credits using Budget 2027 bands and credits, with 2026 retained for comparison.
Open tool → Tax & Take-Home PayUSC Calculator Ireland 2027
Estimate 2027 Universal Social Charge using the new €30,300 entry point to the 3% rate, with 2026 retained for comparison.
Open tool → Tax & Take-Home PayPRSI Calculator Ireland 2026
Estimate Class A employee PRSI across the 1 October 2026 rate change, including the weekly-equivalent pay and tapered employee credit.
Open tool → Tax & Take-Home PayInheritance & Gift Tax Calculator Ireland
Estimate Capital Acquisitions Tax using the new €420,000 / €44,000 / €22,000 thresholds from 7 October 2026, with the prior thresholds retained for older benefits.
Open tool → Tax & Take-Home PayRent Tax Credit Calculator Ireland 2027
Estimate the 2027 Rent Tax Credit using the new €1,150 individual / €2,300 jointly assessed caps, with 2026 retained for comparison.
Open tool → Tax & Take-Home PayDIRT Calculator Ireland
Calculate 33% Deposit Interest Retention Tax on gross interest, with an Advanced projection showing how annual DIRT can affect deposit compounding.
Open tool → Tax & Take-Home PayContractor Day Rate vs Salary Calculator Ireland 2026
Compare an indicative single-person PAYE salary with self-employed contractor profit and take-home, then estimate the day rate that matches the employee net cash result.
Open tool → Tax & Take-Home PayRedundancy Calculator Ireland 2026
Free 2026 redundancy calculator for Ireland. Estimate statutory pay from weekly earnings and service; Advanced mode estimates ex-gratia tax exemptions and SCSB.
Open tool → Tax & Take-Home PaySelf-Employed Tax Calculator Ireland
Estimate 2026 sole trader tax from business receipts and expenses, including Income Tax, USC, Class S PRSI, take-home income and a monthly tax reserve.
Open tool →05
Loans & Debt
Repayment planning, debt payoff strategies and borrowing costs.
Loan Repayment Calculator Ireland
Estimate a fixed-payment personal or car loan, then model how extra monthly payments or a lump sum could change payoff time and interest.
Open tool → Loans & DebtDebt Snowball vs Avalanche Calculator Ireland
Compare debt avalanche and debt snowball strategies across multiple loans and cards, including payoff time, total interest and payoff order.
Open tool →06
EV & Motoring
Driving costs, EV charging and car-finance comparisons.
Fuel Cost Calculator Ireland
Estimate litres and fuel cost for a journey, then use Advanced mode to annualise the same real-world consumption and pump-price assumptions.
Open tool → EV & MotoringEV Charging Cost Calculator Ireland
Estimate EV energy and charging cost including charging losses, then model a home/public charging mix and compare annual energy cost with an ICE fuel scenario.
Open tool → EV & MotoringCar Finance Calculator Ireland — Loan vs PCP vs Hire Purchase
Compare a personal car loan, hire purchase and PCP using the same car price, deposit and finance assumptions, with an optional advanced mode for fees, mileage and end-value equity.
Open tool →07
Health
Evidence-based calculators for everyday health decisions.
Nutrition Needs Calculator Ireland — Energy, Protein & Macros
Estimate resting energy, activity-adjusted maintenance needs, protein and an evidence-grounded macro illustration in one calculator.
Open tool → HealthWeight Loss Calculator Ireland
Calculate BMI, target-weight change, 5% to 20% weight-loss milestones and an optional timeline scenario, with Irish clinical context.
Open tool → HealthAlcohol Standard Drinks, Calories & Cost Calculator Ireland
Convert common drinks into Irish standard drinks, grams of alcohol, alcohol-derived calories and annual spending, then model a reduction scenario.
Open tool → HealthGLP-1 Cost Calculator Ireland
Work out the real cost of Mounjaro, Wegovy, Ozempic or another prescription treatment using your own pharmacy or clinic price, including consultations and optional extra costs.
Open tool → HealthBMI Calculator Ireland
Calculate adult BMI, explore waist-to-height ratio and put the result in context.
Open tool →08
Family & Life Planning
Childcare, pregnancy and longer-term household planning.
Childcare Cost vs Returning to Work Calculator Ireland
Estimate what returning to paid work adds to household finances after PAYE, childcare, NCS support, commuting and work-related costs.
Open tool → Family & Life PlanningLifetime Cost Calculator Ireland
Project the cumulative cost of your current lifestyle from today to a chosen age, including housing, food, transport, travel, childcare and recurring major purchases.
Open tool → Family & Life PlanningPregnancy Due Date & Timeline Calculator Ireland
Estimate a pregnancy due date, gestational age, trimester and key timeline dates from the last menstrual period or a clinician-assigned due date.
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