Finance Calculators

Free calculators built for Irish investors and savers. Work out what your money will earn, what it will cost, and what it’s worth in real terms.

Reading time: 4 min

Businessman using a calculator and laptop to calculate his finances.

Find the Right Calculator

Take the guesswork out of investing. Our calculators help you estimate the effect of compounding,  fund fees, inflation, and swings in the exchange rate of foreign currencies.

Investing Calculators

Compound Interest Calculator

Find out what regular contributions grow into over the years.

Fund Fees Calculator

See what a fund's charges take from your returns over time.

Deemed Disposal Calculator (coming soon)

Work out the tax due on your ETFs under the eight-year rule.

Leverage Calculator

See how borrowing changes your gains, losses and risk.

Foreign Currency Impact Calculator

Measure what exchange rate movements do to your investment returns.

Inflation Calculator

Check how much buying power your money has lost to rising prices.

Savings Calculators

Savings Calculator

Work out what your deposits will earn at today's rates.

AER Calculator

Calculate what a savings rate actually pays over a full year.

How Our Calculators Work

Our calculators are designed specifically for Irish investors and savers. Each calculator uses data from official Irish sources where possible, from CSO inflation figures to Revenue tax rates. We also explain the methodology behind your results, so you can see exactly how every figure is calculated.

From Calculation To Action

Our calculators help you run the numbers before making a financial decision. Once you have your results, the next step is comparing real accounts, funds and platforms available in Ireland. Use these tools to move from calculation to action:

Compare Savings Accounts

Find the most competitive interest rates available to Irish savers.

Compare ETFs

See which funds track your chosen index at the lowest cost.

Compare Investment Apps

Find the trading platforms with the lowest fees and best features.

Guides Behind The Numbers

The figures only make sense when you understand the rules behind them. These guides explain the Irish tax treatment, savings concepts and investing basics that can affect your results.

Taxes

ETF Tax

How Irish ETF investors are taxed, including the exit tax rate and the eight-year deemed disposal rule.

Saving

DIRT Explained

What DIRT is, the current rate, and how it changes what a savings account actually pays you.

For Beginners

How to Start Investing

New to investing? We cover the basics of investing in Ireland and provide a step-by-step process for getting started.

FAQ

Frequently Asked Questions

Compound interest is when you earn interest on your interest. Your money earns a return, that return is added to your balance, and the next return is calculated on the bigger amount. Over long periods this snowballs, which is why starting early matters so much. 

Yes, exchange rates can have a big impact on your investments. For example, the return of an ETF that owns US stocks will partly depend on what happens with the EUR/USD FX rate. You can see this for yourself by using our Foreign Exchange Calculator.

The interest rate is the headline figure a bank advertises. The AER shows what that rate actually delivers over a full year once you account for how often the interest is paid and whether it compounds. Two accounts can quote the same rate and pay different amounts. The AER is the figure that lets you compare them fairly.

Fees compound negatively over time. Even a seemingly small difference in annual fees eats away at both your original investment and the returns you've already earned, which can cost you thousands of euros in lost growth over a decade.

Leverage means borrowing money to invest more than you actually have. It magnifies your gains if the investment does well, but it magnifies your losses by the same amount if it doesn't.

Every eight years, Revenue treats your ETF as if you'd sold it, even though you haven't. You pay exit tax at 38% on any growth up to that point, then the eight-year clock starts again.

Fund fees are the charges a fund takes for managing your money, usually a small percentage of your investment each year. They come out of your return automatically, so you don't pay them separately.