←MoneyCents›Mortgage Calculator
MoneyCents › Tools

Mortgage Overpayment Calculator

See how much interest you could save — and how many years you could cut — by paying a little extra each month.

Your mortgage details
€280k
€50k€600k
3.80%
0.25%Average Irish rate ~3.8%8.00%
25 yrs
5 yrs35 yrs
Monthly overpayment
How much extra could you pay on top of your normal repayment?
None
None€1000/mo
🇮🇪 Irish mortgage tips
  • Check your mortgage terms — most Irish lenders allow overpayments of 10–20% per year without penalty
  • Consider switching lenders — you could save thousands on a better rate
  • Overpayments reduce your LTV, which can unlock better rates at renewal

Guidance only. This calculator uses a standard amortisation model. Actual figures depend on your lender's terms. Always check with your mortgage provider before making overpayments. Full disclaimer →

👆
Set an overpayment amount
Use the slider or quick buttons on the left to see how much you could save.
Your mortgage summary
Monthly repayment€1,447
Total interest€154,160
Total repaid€434,160
Term25yr
💡 Could you get a better rate?
Even a 0.5% rate reduction on €280,000 saves you €0 in interest. MoneyCents members get exclusive mortgage switching deals.
See deals →