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Mortgage overpayment calculator

Compare your current repayment plan with a regular monthly overpayment:and see the possible time and interest saved.

Published by Around.ieReviewed: 11 July 2026Inputs: your assumptions

Your mortgage scenario

€
The balance you want to model today.
%
Assumed unchanged for the full term.
yrs
Whole years remaining.
€
Paid every month in addition to the scheduled repayment.

Balance comparison

Estimated balance at the end of each year. The final payment may be smaller than the regular payment.

YearStandard planWith overpayment

Assumptions and limits

  • Standard capital-and-interest mortgage with interest charged monthly.
  • The rate and overpayment stay constant; no fees, insurance, cashback or payment holidays.
  • Overpayments reduce principal immediately. Lender dates and rounding can differ.
  • Some fixed-rate mortgages limit overpayments or charge an early repayment fee.

Irish mortgage guidance and overpayment rules

Check your agreement and ask the lender how extra payments affect the term. Read the CCPC mortgage guidance and the Central Bank Consumer Hub for authoritative Irish context.

Educational estimate only:not financial advice or a lender illustration. Confirm the impact and charges with your lender.