Tools · 19, all free
Every calculator, in the order you need them
Each one reads the same rules file, checked 21 October 2026, and lays the answer out like a closing statement you can print or share. Nothing you type leaves your browser.
Before you buy
ToolFreeHow much can I borrow, and what will it cost a month?Mortgage calculatorYour maximum loan under the Central Bank rules, Help to Buy and the First Home Scheme folded in, the price that follows, the monthly repayment and the stamp duty, all on one page.Work out my numbers →ToolFreeWhat do the Central Bank rules let me borrow?How much can I borrow?Four times your income as a first-time buyer, three and a half times as a mover, and 90% of the price. The limit, the exemption line and what lenders add on top.Check my limit →ToolFreeHow long until I have the deposit?Deposit savings calculatorThe deposit and costs you need, the months to get there at your rate of saving, Help to Buy on a new build, and the rent tax credit you may not have claimed.Plan my saving →ToolFreeHow much Help to Buy could I get?Help to Buy calculatorThe lower of €35,000, 10% of the price and the tax you paid over four years, and whether you qualify at all: first-time buyers, new builds, the €500,000 cap and the 70% rule.Check my Help to Buy →ToolFreeCould the First Home Scheme close my gap?First Home Scheme calculatorThe equity share you would need, whether it is within 30% (20% with Help to Buy), your county's price ceiling, and the most you could pay under the scheme.Check the scheme →ToolFreeWould the council mortgage work for me?Local Authority Home Loan calculatorThe income limits, your county's price ceiling, the 90% loan and the repayment at the scheme's fixed rates.Check the council loan →
The cost and the dates
ToolFreeHow much stamp duty will I pay?Stamp duty calculator1% up to €1 million, 2% to €1.5 million, 6% above, charged on the price without VAT on a new home. No first-time buyer exemption.Work out the duty →ToolFreeHow much cash do I need to close?Cost of buying a houseThe closing statement in full: the deposit, stamp duty, solicitor and outlays, survey, valuation, protection, insurance and the move, with what you pay at signing and at closing.Build my closing statement →ToolFreeWhat will I pay each month?Mortgage repayment calculatorThe monthly repayment for any loan, rate and term, the payment after a fixed period ends, the total interest, and a year-by-year table you can download.Work out my repayments →ToolFreeHow long from sale agreed to keys?Buying timeline plannerThe typical window for each step from sale agreed to closing, as dates, with what can delay each one and a calendar file.Plan my dates →ToolFreeHow does a self-build mortgage pay out?Self-build mortgage calculatorThe stage drawdowns as dates, the interest-only payments during the build, the cash you need before the first drawdown, Help to Buy, and the repayment from completion.Plan my build →
Selling
ToolFreeWhat will the agent charge?Estate agent fees calculatorA percentage or a fixed fee, plus VAT at 23% and the marketing, side by side with the usual rates.Work out the fee →ToolFreeWhat will I walk away with?Cost of selling a houseThe sale price less the agent, the solicitor, the BER, the mortgage paid off, any breakage fee and any capital gains tax: your net proceeds on one statement.Work out my proceeds →ToolFreeWill I owe tax when I sell?Capital gains tax calculatorThe gain, the relief for the years it was your home plus the last twelve months, the €1,270 exemption, the rate for your contract date, and when it is due.Work out the tax →
Owning and switching
ToolFreeIs switching worth it?Mortgage switching calculatorWhat you would save over the new fixed period after the solicitor, the valuation and any breakage fee, with and without cashback.Check my switch →ToolFreeWhat would paying extra save me?Mortgage overpayment calculatorThe interest and the months you save by paying extra each month or a lump sum, and the overpayment limit on a fixed rate.See what I would save →ToolFreeWhat is my LPT?Local Property Tax calculatorYour band from the 1 November 2025 valuation, the basic charge, and your council's local adjustment for the year.Find my band →ToolFreeWhen does my fixed rate end?Fixed rate ending reminderAn email 90 and 30 days before your fixed rate ends, with the switching checklist. We keep your email and one date, nothing else.Set a reminder →