Finance & Irish taxes
Personal loan repayments Calculator
Estimate a fixed-rate loan’s repayments, interest and fees. This free personal loan repayments calculator shows the calculation and its assumptions so you can compare your own figures.
Your results
Estimate a fixed-rate loan’s repayments, interest and fees.
Calculated outcomes
- Total Repayments
- €11,115.75
- Interest
- €1,115.75
- Total Cost Including Fee
- €11,115.75
Assumptions and estimates
- Fixed nominal annual interest with monthly repayments. The arrangement fee is paid separately upfront. An APR already incorporating fees should not be entered as the nominal rate; insurance and early-repayment charges are excluded.
- Method: Monthly annuity payments amortise the principal. A zero interest rate divides principal by months.
- Enter the nominal rate, not an APR that already includes fees. Insurance, penalties and changing rates are excluded.
Useful next steps
- Use Compare options to test an alternative side by side.
- Copy, print or download a record of this calculation when you need one.
Reports open your email app addressed to s@s1.ie with the public page address only. Your inputs are never added.
How the personal loan repayments calculation works
Monthly annuity payments amortise the principal. A zero interest rate divides principal by months.
Enter the nominal rate, not an APR that already includes fees. Insurance, penalties and changing rates are excluded.
Using this calculator
- Enter your own figures in the labelled inputs. Keep the currencies, units and time periods consistent.
- Choose any applicable rate profile, pattern or assumption shown for this tool. Open additional inputs when relevant.
- Review monthly payment and total borrowing cost, then read the stated assumptions and eligibility conditions before using the result.
Worked example
This is a static example using illustrative inputs, not facts about you or today’s date. The displayed eligibility selections and assumptions apply only to this example.
See example inputs
- Amount borrowed (€)
- 10000
- Nominal annual interest (%)
- 7
- Term (months)
- 36
- Upfront arrangement fee (€)
- 0
- Monthly Payment
- €308.77
- Total Borrowing Cost
- €1,115.75