Loan Repayment Calculator
Free Ireland calculator with quick estimates, clear breakdowns, and helpful planning guidance.
Loan Details
Term & Costs
Loan Repayment Estimate
Enter your borrowing details and click Calculate to see the repayment amount and total borrowing cost.
How this loan repayment estimate is calculated
The calculator estimates loan repayments from the loan amount, interest rate, term, and fee assumptions entered.
- The principal loan amount and optional fees are read from the inputs.
- The selected interest rate and loan term are used to estimate the regular repayment.
- Total repayable and total interest are calculated across the full term.
- The breakdown shows how fees and interest affect the total cost.
Source note: Standard amortising loan formula. This is an estimate only and not financial advice.
About This Loan Repayment Calculator
This calculator estimates fixed monthly or weekly repayments for personal loans, car finance, and other standard fixed-rate borrowing in Ireland. It also shows the total repayable amount, total interest, and the impact of financed fees.
How repayments are calculated. Repayments use the standard amortisation formula. Each repayment covers the period’s interest first, then reduces the outstanding principal. That means the balance falls faster later in the term.
P × r ÷ (1 − (1 + r)−n)
Where P is the total financed amount, r is the periodic interest rate, and n is the number of repayment periods.
APR and fees. This tool assumes a fixed rate for the full term. If the lender adds fees to the borrowing instead of charging them upfront, those fees increase the amount on which interest is paid.
This calculator is for illustration only and does not replace a formal lender quote. Always confirm repayment schedules, APR assumptions, and fee treatment before signing a credit agreement.