Finance & Loan Calculation Tools
Calculate mortgage amortization schedules, compound interest returns, sales tax, auto loans, and retirement fund projections with enterprise-grade 0-drift accuracy. The Calconova Finance & Loan Calculation Tools directory brings together 49 verified calculators tailored to Ireland statutory regulations and international standards. Every tool runs locally in your browser on our enterprise Decimal.js (IEEE-754) math engine with zero floating-point drift and full formula transparency.
Ireland Salary Calculator — 2026 PAYE, USC & PRSI Net Pay
Calculate 2026 Irish net take-home pay: Standard Rate Cut-Off Point (€44k), 40% higher rate, USC 4 bands, PRSI Class A, and Personal & Employee tax credits.
Revenue Rent Tax Credit (€1,000 / €2,000) & Mortgage Interest Relief Calculator
Calculate your Irish Revenue Rent Tax Credit (€1,000 single / €2,000 joint) and Mortgage Interest Tax Credit (up to €1,250) tax refund entitlement.
Irish Pension Contribution Tax Relief Calculator (PRSA & AVC Relief)
Calculate Irish pension tax relief based on Revenue age limits (15% to 40%), €115,000 earnings cap, 40% higher rate refund, and net out-of-pocket costs.
Ireland 'My Future Fund' Auto-Enrolment Retirement Savings Calculator
Calculate Ireland 'My Future Fund' Auto-Enrolment pension savings: Employee & Employer 1.5% to 6% match + State €1-for-€3 top-up up to €80,000 cap.
Irish Self-Employed Tax, Class S PRSI & Preliminary Tax Calculator (Form 11)
Calculate Irish Sole Trader taxes: Income Tax, Class S PRSI (4.1%), 3% USC surcharge on profits over €100,000, and 31 October Preliminary Tax obligations.
Irish Capital Gains Tax (33%), DIRT & ETF Deemed Disposal (41% Exit Tax) Calculator
Calculate Irish Capital Gains Tax (33% with €1,270 exemption), deposit DIRT (33%), and 8-year ETF Deemed Disposal (41% Exit Tax vs direct equities comparison).
Irish Capital Acquisitions Tax (CAT 33%) — Group A/B/C Inheritance & Gift Tax Calculator
Calculate Irish CAT (33%): Group A (€400k), Group B (€40k), Group C (€20k) thresholds, prior benefits aggregation, and €3,000 Small Gift Exemption.
Ireland Help to Buy (HTB) Incentive Calculator — Up to €30,000 First-Time Buyer Rebate
Calculate your Revenue Ireland Help to Buy (HTB) rebate: Up to €30,000 or 10% of new-build purchase price based on income tax and DIRT paid over the last 4 tax years.
First Home Scheme Ireland (FHS Shared Equity) Calculator — Up to 30% Equity
Calculate your Ireland First Home Scheme (FHS) equity support (up to 30% / 20% with HTB), Local Authority price caps, and Year 6+ service charge schedule.
Irish Property Stamp Duty Calculator — 1%, 2%, 6% & 10% Bulk Rates
Calculate Irish property stamp duty under Budget 2025: 1% first €1m, 2% between €1m–€1.5m, 6% over €1.5m, 7.5% commercial, and 10% residential bulk purchase surcharge.
Revenue Local Property Tax (LPT) Calculator — 19 Valuation Bands & LAF ±15%
Calculate Revenue Ireland Local Property Tax (LPT) across all 19 valuation bands, including council Local Adjustment Factors (+/-15%) and monthly direct debit installments.
RTB Rent Pressure Zone (RPZ) Calculator — 2% Annual Rent Increase Cap
Calculate allowable rent increases under Irish RTB Rent Pressure Zone (RPZ) rules: Lower of 2.0% per annum or HICP inflation, 12-month review interval, and notice deadlines.
Rent-a-Room Relief (€14,000 Cap) & Residential Landlord Tax Calculator Ireland
Calculate Revenue Ireland Rent-a-Room Relief (€14,000 tax-free cliff edge) and standard residential landlord Case V deductions, USC, PRSI, and RPRIR tax relief.
Revenue Vehicle Registration Tax (VRT) & Import Calculator — 20 WLTP Bands + NOx
Calculate Irish Revenue VRT across 20 WLTP CO2 bands, NOx emissions levy, and post-Brexit UK (GB / NI) import customs duty and 23% VAT.
Irish Motor Tax Calculator — CO2 Bands vs Engine cc Rates
Calculate Irish annual motor tax for post-July 2008 CO2 bands (A0 to G) and pre-July 2008 engine sizes (cc), with half-yearly and quarterly surcharge comparisons.
Irish Company Car BIK Calculator — OMV, Mileage Bands & €45,000 EV Relief
Calculate Irish Company Car Benefit-in-Kind (BIK): €45k EV relief, OMV discounts, CO2 bands A to E, annual business mileage, and employee take-home pay impact.
Civil Service Mileage & Subsistence Rates Calculator Ireland (Tax-Free Expenses)
Calculate tax-free Irish motor travel and subsistence expenses under official Revenue Civil Service rates: 4 annual mileage bands, EV rates, and day / overnight subsistence.
Statutory Redundancy & Severance Exemption Calculator Ireland (MyWelfare & SCSB)
Calculate MyWelfare statutory redundancy (2 weeks/yr + 1 bonus week, €600 cap) and Revenue ex-gratia severance tax exemptions (Basic, Increased, and SCSB).
Ireland Maternity, Paternity & Parent's Benefit Calculator (DSP Social Welfare)
Calculate Department of Social Protection (DSP) Maternity (26 wks), Parent's (9 wks), and Paternity (2 wks) state benefits at €289/wk plus employer salary top-up.
Ireland Pay-Related Jobseeker's Benefit Calculator (60% up to €450/week)
Calculate Ireland's Pay-Related Jobseeker's Benefit: 60% of earnings up to €450/wk (wks 1-13), 55% up to €375/wk (wks 14-26), and 50% up to €300/wk (wks 27-39).
Ireland Statutory Sick Pay (SSP) Calculator (70% Daily Wage, €110/Day Cap)
Calculate Irish Statutory Sick Pay (SSP): 70% of daily wage capped at €110/day for up to 5 days under the Sick Leave Act, plus DSP Illness Benefit.
Ireland Annual Leave & Public Holiday Pay Calculator (Working Time Act)
Calculate Organisation of Working Time Act statutory annual leave (4 weeks / 8% rule), 10 public holidays entitlements, and accrued holiday pay.
Ireland Working Family Payment (WFP) Calculator (Social Welfare FIS Support)
Calculate Ireland's Working Family Payment (WFP): 60% of the difference between net family income and DSP child threshold, minimum €20/wk.
Ireland National Childcare Scheme (NCS) Creche Subsidy Calculator
Calculate National Childcare Scheme (NCS) creche subsidies: universal €2.14/hr or income-assessed up to €5.10/hr to reduce monthly childcare costs.
Ireland Medical & Health Expenses Tax Relief Calculator (Revenue Med 1)
Calculate Revenue Med 1 health expenses tax relief: 20% refund on GP, drugs & dental, plus up to 40% relief on nursing home care costs.
Ireland Cycle to Work & Small Benefit Exemption Calculator (€1,500 / €3,000 Caps)
Calculate Cycle to Work Scheme tax savings (€1,250 regular / €1,500 e-bike / €3,000 cargo bike) up to 52% and €1,500 tax-free Small Benefit vouchers.
Ireland SUSI Student Grant Eligibility & Maintenance Calculator (2025/2026)
Calculate SUSI Higher Education student grant eligibility: 100%/50% fee grants and adjacent vs non-adjacent maintenance grants up to €7,586/year.
Compound Interest Calculator
Visualize the exponential growth of your investments with interactive charts.
Compound Annual Growth Rate (CAGR)
Calculate the compound annual growth rate of your investments or business revenue.
Inflation & Purchasing Power
Calculate how inflation erodes your purchasing power and the real future value of money.
Savings & Wealth Accumulation
Calculate future wealth accumulation with regular monthly or yearly savings and interest.
Real Rate of Return Calculator
Calculate the real rate of return on your investment adjusted for inflation (Fisher equation).
Gold Value & Purity Calculator
Calculate gold value across karats (14k, 18k, 22k, 24k) and bullion coins.
IBAN Validator & Check Digit
Validate international bank account numbers (IBAN) using the official MOD-97 algorithm.
Net Present Value (NPV)
Calculate project profitability based on discount rate and projected cash flows.
Bond Yield Calculator
Calculate simple and annualized yields for treasury bills and corporate bonds based on purchase price and days to maturity.
Eurobond Yield & Return
Calculate Eurobond coupon income, clean/dirty prices, and yield to maturity (YTM).
Commercial & Mathematical Discount
Calculate bank commercial discount (outside) and true mathematical discount (inside) for commercial paper and notes.
Internal Rate of Return (IRR)
Calculate the Internal Rate of Return (IRR) where net present value (NPV) equals zero for series of cash flows.
Weighted Average Maturity (WAM)
Calculate the weighted average maturity of multiple debts, receivables, and commercial papers.
Time Value of Money (TVM)
Calculate Present Value (PV) and Future Value (FV) using compound interest principles.
Repo & Reverse Repo Calculator
Calculate overnight and short-term repo interest earnings minus withholding tax.
Dividend Yield & Payout
Calculate dividend yield, annual cash payout, and net dividend income after withholding tax.
Government Bond Return
Calculate government bond periodic coupon cash flows, total coupon income, and principal redemption.
Futures Contract Pricing
Calculate theoretical futures contract price using spot price, risk-free rate, and storage/dividend yields.
Term Deposit Interest Calculator
Calculate bank fixed deposit gross and net interest income after withholding tax.
Currency Converter & Cross Rates
Convert major global currencies (USD, EUR, TRY, GBP, JPY) with custom or standard cross rates.
Simple Interest Calculator
Calculate simple interest earned or paid over days, months, or years (I = P × r × t).
General Interest Calculator
Calculate daily, monthly, and yearly interest returns with tax withholding.
Finance & Loans What You Need to Know
All tools in Calconova are engineered with institutional financial and scientific formulas. The enterprise decimal.js engine is utilized to eliminate floating-point rounding errors typical of standard JavaScript applications.
All calculations execute directly on your local device (Edge/Client-side); none of your data is stored on remote servers, guaranteeing 100% privacy.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual Central Bank of Ireland mortgage caps, Revenue PAYE/USC/PRSI rules, and lender criteria may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult a qualified financial advisor, CPA, or Irish Revenue documentation prior to executing financial commitments.