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30 Free Tools · Built for Ireland

Financial Tools for Smarter Decisions

Free Irish finance calculators — mortgages, tax, VAT, business planning, and more. Built by finance professionals, for real-world use.

Personal Finance Business Finance Tax & Salary
30 tools
3 categories
2026 rates
€0 cost
Personal Finance

Personal Finance Calculators

Tools for mortgages, savings, debt, and everyday money decisions.

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Mortgage Repayment Calculator
Estimate monthly repayments, total interest, and full cost of a mortgage. Covers repayment and interest-only types with an amortisation chart and Central Bank LTV/LTI guidance.
Personal Finance Open Tool →
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Loan Interest Calculator
Calculate total interest and total repayable on any personal or business loan. Supports custom compounding frequencies and shows principal vs interest breakdown over time.
Personal Finance Open Tool →
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Savings Goal Tracker
Work out the monthly saving needed to hit a financial target by a specific date. Accounts for interest growth on contributions and shows a clear progress chart.
Personal Finance Open Tool →
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Budget Planner
Plan your monthly budget by mapping income against housing, transport, food, and lifestyle costs. See your surplus or deficit and a 12-month savings projection.
Personal Finance Open Tool →
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Compound Interest Calculator
Project how a lump sum and regular contributions grow over time with compound interest. Includes a 12-month breakdown table and growth vs contributions chart.
Personal Finance Open Tool →
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Debt Payoff Snowball
Model paying off multiple debts using the snowball method. Enter balances, APRs, and minimum payments to see your months-to-debt-free date and total interest saved.
Personal Finance Open Tool →
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Credit Card Payoff Estimator
Estimate how long it takes to clear a credit card balance at your current monthly payment, and how much total interest you'll pay over that period.
Personal Finance Open Tool →
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Emergency Fund Calculator
Calculate your recommended emergency fund target based on monthly expenses and a chosen safety cushion. Build a savings plan to close the gap.
Personal Finance Open Tool →
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Inflation Impact Calculator
See how inflation erodes your purchasing power over time and how much income growth you need to stay ahead. Models the real value of savings at different inflation rates.
Personal Finance Open Tool →
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Rent vs Buy Calculator
Compare the total long-term cost of renting against buying, factoring in mortgage, taxes, insurance, maintenance, appreciation, and the opportunity cost of a deposit.
Personal Finance Open Tool →
Business Finance

Business Finance Calculators

Tools for investment returns, profitability, and financial health of your business.

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Break-Even Analysis
Calculate break-even units and revenue from fixed costs, variable costs, and selling price. Includes a 12-month revenue, cost, and profit projection with charts.
Business Finance Open Tool →
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ROI Calculator
Calculate return on investment from initial cost and gain or final value. See gain vs cost and investment growth over time with charts.
Business Finance Open Tool →
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NPV & IRR Calculator
Compute net present value and internal rate of return from custom cash flows. Essential for evaluating capital investment decisions and comparing projects.
Business Finance Open Tool →
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WACC Calculator
Calculate weighted average cost of capital from equity, debt, and preferred shares. Includes CAPM for cost of equity and tax shield on debt, with a visual breakdown.
Business Finance Open Tool →
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Gross Margin Calculator
Project revenue, cost of goods sold, gross profit, and gross margin percentage across a 12-month period. Includes unit price, unit cost, and growth rate inputs.
Business Finance Open Tool →
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Net Profit Margin Calculator
Project net profit and net margin after operating expenses, interest, other income, and tax. Includes a 12-month table and charts.
Business Finance Open Tool →
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Payback Period Calculator
Compute simple and discounted payback periods from an initial investment and projected monthly cash inflows. Useful for prioritising capital spending decisions.
Business Finance Open Tool →
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Working Capital Ratio
Calculate working capital, current ratio, and quick ratio from current assets and liabilities. Project how your liquidity position changes over 12 months.
Business Finance Open Tool →
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Inventory Turnover Calculator
Calculate inventory turnover rate and days inventory outstanding (DIO). Project monthly COGS and average inventory to track stock efficiency over time.
Business Finance Open Tool →
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Current Ratio & Quick Ratio
Assess short-term liquidity with current ratio and quick ratio from asset and liability inputs. Includes a snapshot table and charts for asset mix.
Business Finance Open Tool →
Tax & Salary

Irish Tax & Salary Calculators

Ireland-specific tools for PAYE, USC, PRSI, VAT, corporation tax, and more. Updated for 2026.

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Take-Home Pay Calculator
Estimate net pay after PAYE, USC, and PRSI for 2026. Supports pension contributions, marital status, medical card rates, and extra credits. Includes 12-period table and charts.
Tax & Salary Open Tool →
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PAYE + USC Calculator
Calculate PAYE and USC from your Irish salary using the latest bands and credits. Includes a 12-period breakdown table and deductions chart.
Tax & Salary Open Tool →
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Self-Employed Tax Estimator
Estimate income tax (PAYE system), USC including the 3% surcharge above €100k, and PRSI Class S for sole traders and self-employed individuals.
Tax & Salary Open Tool →
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VAT Calculator (Ireland & EU)
Add or remove VAT at Irish rates (23%, 13.5%, 9%) or any EU country's standard rate. Editable rate override for reduced-rate supplies. Instant net, VAT, and gross totals.
Tax & Salary Open Tool →
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Dividend Tax Calculator
Estimate Irish dividend tax including DWT credit, income tax, USC, and PRSI on dividend income. Editable rates with full net-after-tax breakdown.
Tax & Salary Open Tool →
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Pension Contribution Impact
See the real after-tax cost of Irish pension contributions and the effective tax relief at your marginal rate. Set by percentage or fixed amount.
Tax & Salary Open Tool →
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Director's Salary vs Dividends
Compare the tax efficiency of all-salary vs all-dividends vs a custom mix for Irish company directors. Editable corporation tax, PRSI, USC, and income tax rates.
Tax & Salary Open Tool →
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Capital Gains Tax Calculator
Estimate Irish CGT on a disposal. Enter sale price, base cost, allowable costs, losses, and the annual CGT exemption to get your chargeable gain and tax due.
Tax & Salary Open Tool →
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Corporation Tax Estimator
Estimate Irish corporation tax on trading and non-trading income. Apply losses, capital allowances, chargeable gains, and R&D credit to get your estimated liability.
Tax & Salary Open Tool →
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PRSI Calculator
Estimate PRSI contributions for employees (Class A) and self-employed (Class S). Set pay period, apply current thresholds, and see employee, employer, and annual totals.
Tax & Salary Open Tool →
Most Used

Featured Tools

Our most-used calculators — picked because they answer the questions Irish businesses and individuals ask most.

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Mortgage Repayment Calculator

Estimate your monthly repayments and total interest cost. Includes amortisation chart and Central Bank LTV guidance for first-time buyers and movers.

Covers repayment & interest-only mortgages
Use tool →
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Take-Home Pay Calculator

Calculate your exact net pay after PAYE, USC, and PRSI for 2026. Supports pension deductions, marital status, and medical card rates.

Updated for 2026 Irish tax bands
Use tool →
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VAT Calculator (Ireland & EU)

Add or remove VAT at Irish rates (23%, 13.5%, 9%) or any EU standard rate. Instant net, VAT, and gross breakdown with editable rate override.

Covers all Irish & EU VAT rates
Use tool →
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NPV & IRR Calculator

Compute net present value and internal rate of return from custom cash flows. Essential for evaluating capital investment decisions and comparing projects side by side.

Handles irregular cash flow schedules
Use tool →
Why Shuppa Tools

Built to Actually Help

Every calculator is built with real-world users in mind — not as generic widgets, but as genuine decision-making tools.

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Built by Finance Professionals

Each tool is designed around how real finance decisions are made in Ireland. Formulas, assumptions, and outputs are reviewed for accuracy and practical usefulness — not just mathematical correctness.

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Ireland-Specific Rates

Most generic calculators online use UK or US figures. Shuppa Tools use Irish tax bands, PRSI classes, Central Bank LTV rules, Irish VAT rates, and 2026 Revenue figures throughout.

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Free, No Sign-Up Required

Every calculator on this page is entirely free. No account, no registration, no email address. Results are calculated in your browser — nothing is stored or sent to a server. Use them as often as you need.

Shuppa Studio

Need More Than a Calculator?

When you're ready to act on the numbers, Shuppa's products and studio services can help you build and grow.

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Web Design & Development

Shuppa Studio designs and builds premium websites for Irish businesses. From brochure sites to custom SaaS platforms — built for performance, conversion, and long-term growth.

Explore Web Design →
📦

Business Software Suite

Shuppa One bundles invoicing, CRM, project management, expense tracking, and support ticketing into one platform. Purpose-built for Irish SMEs who want all their operations in one place.

See Shuppa One →
FAQ

Frequently Asked Questions

The Irish tax calculators use the official Revenue bands, rates, and credits for the relevant tax year. They are designed to give accurate estimates for standard employment situations. However, they do not cover every scenario — complex arrangements involving benefit-in-kind, share options, rental income, foreign earnings, or multiple income sources should be reviewed with a qualified accountant. Always use Revenue's myAccount or a payroll provider for official calculations.

PAYE (Pay As You Earn) is Irish income tax — applied at 20% up to the standard rate cut-off point (€44,000 for a single person in 2026) and 40% on the remainder. USC (Universal Social Charge) is a separate charge on all income above €13,000, with rates from 0.5% to 8%. PRSI (Pay Related Social Insurance) funds social welfare entitlements and the contributory state pension — most employees pay Class A at 4.2% on earnings above €352 per week.

Under Central Bank rules, first-time buyers can borrow up to 4 times their gross annual income and up to 90% of the property value. Second and subsequent buyers are capped at 3.5 times income and 80% LTV. Buy-to-let investors typically need a 30% deposit. Your lender will also carry out their own affordability assessment. Use the Mortgage Repayment Calculator to estimate your monthly repayments at different loan amounts and rates.

Ireland has several VAT rates. The standard rate is 23% and applies to most goods and services. A 13.5% reduced rate applies to construction services, fuel, and electricity. A 9% second reduced rate applies to newspapers and certain supplies. Most food, children's clothing, books, and oral medicines are zero-rated at 0%. Financial services, insurance, and medical care are VAT exempt. Use the VAT Calculator to add or remove VAT at the correct rate for your supply.

The standard corporation tax rate in Ireland is 12.5% on trading income, making it one of the lowest in the EU. A 25% rate applies to non-trading (passive) income such as investment income, rental income, and income from certain foreign activities. A 15% minimum effective rate applies to large multinational groups with annual revenues above €750 million under the OECD Pillar Two rules. Use the Corporation Tax Estimator to model your liability after capital allowances, losses, and the R&D credit.

For most Irish taxpayers, contributing to a pension is one of the most tax-efficient financial moves available. Contributions are relieved at your marginal income tax rate — a higher-rate (40%) taxpayer contributing €1,000 reduces their PAYE bill by €400, meaning the net cost of the contribution is only €600. Pension funds grow tax-free and benefits can be taken from age 60 (subject to scheme rules). Use the Pension Contribution Impact calculator to see the exact after-tax cost of increasing your contributions.