Updated March 2026

Mortgage Overpayment
Calculator Ireland 2026

See how much you save — and how many years you cut — by overpaying your mortgage each month. Even €100/month can save tens of thousands.

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Your Overpayment Savings

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Overpay AND Reduce Bills

Improving your BER rating can save €1,000–€1,600/year in energy costs — money you could redirect to mortgage overpayments. A heat pump + insulation upgrade could effectively pay off your mortgage years faster.

Book a BER Assessment at Homerating.ie

Your Complete Guide to Property in Ireland

Irish Property Guide is Ireland's independent property knowledge platform. We provide free calculators, expert-written guides, and practical tools for first-time buyers, landlords, and homeowners planning energy upgrades. Our tools are built specifically for the Irish market — covering Central Bank mortgage rules, Help to Buy, the First Home Scheme, SEAI grants, BER ratings, and the latest landlord compliance requirements including the March 2026 rental law changes.

Unlike estate agents or mortgage brokers, we don’t sell property or financial products. We sell knowledge — so our advice is independent and focused entirely on helping you make better decisions. Our team includes SEAI-registered BER assessors who have been rating Irish homes since 2009.

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