EMI Calculator Ireland
Work out your monthly loan instalment in EUR, see the total interest, and compare it against rates Ireland banks actually publish.
Click any bank to use their rate. Green = best deal
See how changes affect your loan
How is EMI calculated?
EMI = P × r × (1+r)n / ((1+r)n - 1). P = loan amount, r = monthly rate, n = months. Our calculator does this instantly.
What's a safe EMI-to-salary ratio?
Keep total EMIs under 40-50% of salary. Banks use Debt Burden Ratio (DBR) — UAE banks cap at 50%.
Longer tenure = lower EMI?
Yes — but you pay more total interest. A 5-year loan costs less overall than a 10-year loan at the same rate.
Loan interest rates in Ireland
Buzdy tracks 4 banks in Ireland with 71 branches across 53 cities. EMI results on this page are shown in EUR. The rates below are the ones those banks publish — use them in the calculator instead of a guess.
Credit card interest rates in Ireland
| Card | Bank | Interest rate | Annual fee | Interest-free days |
|---|---|---|---|---|
| AIB Click Visa | AIB | Annual Purchase Interest Rate of 9.11% (variable) | No annual fee | Up to 56 days |
| AIB Platinum Card | AIB | Annual Purchase Interest Rate of 11.84% (variable) | No annual fee | Up to 56 days |
| AIB Be Visa | AIB | Annual purchase interest rate 16.79% (variable); 14.16% (variable) when you spend over €5,000 in a 12-month pe... | No annual fee | Up to 56 days |
| BOI Classic Visa | Bank of Ireland | 16.12% variable (APR 22.1%) | No annual fee | 56 |
| BOI Platinum Card | Bank of Ireland | 13.79% variable (APR 19.6%) | EUR 76.18 per year | 56 |
| BOI Aer Credit Card | Bank of Ireland | 14% variable (APR 22.7%) | EUR 6.50 per month (EUR 78 per year) | — |
| PTSB ICE Visa | Permanent TSB | 1.38% per month | — | — |
| PTSB Gold Card | Permanent TSB | 1.38% per month | — | — |
| PTSB Platinum Card | Permanent TSB | 1.38% per month | — | — |
| Revolut Standard | Revolut Ireland | 1.38% per month | — | — |
| Revolut Premium | Revolut Ireland | 1.38% per month | — | — |
| Revolut Metal | Revolut Ireland | 1.38% per month | — | — |
Relevant if you convert a card purchase into monthly instalments. 12 cards with a published rate.
Worked example — repaying EUR 100,000 of card balance over 5 years in Ireland
- Balance
- EUR 100,000
- Rate used
- 9.11% a year
- Tenure
- 60 months
- Monthly EMI
- EUR 2,081
- Total interest
- EUR 24,871
Rate taken from AIB Click Visa (AIB) — the lowest published credit card rate we hold for Ireland. Buzdy does not yet hold personal loan rates for Ireland, so this uses card interest — the rate that applies when you convert a purchase to instalments or carry a balance. Change the numbers in the calculator above for your own case.
Banks we track in Ireland
Keep going in Ireland
Guides for Ireland
Ireland — frequently asked questions
What does EUR 100,000 on a credit card cost per month in Ireland?
At 9.11% a year over 60 months the instalment works out at about EUR 2,081, or EUR 24,871 of interest in total. That rate comes from AIB Click Visa by AIB, the lowest published credit card rate Buzdy holds for Ireland. We do not yet hold personal loan rates for Ireland — bank loan rates are usually well below card rates.
What interest rate do credit cards charge in Ireland?
Across the 12 cards with a published rate in Ireland, quoted rates run from 1.38% per month to 9.11% a year. Card interest only applies if you carry a balance past the interest-free period.
Where can I apply for a loan in Ireland?
Buzdy maps 71 bank branches in Ireland across 53 cities. Open the branch directory to find the nearest one to you.
How is EMI calculated?
EMI = P × r × (1+r)^n ÷ ((1+r)^n − 1), where P is the amount borrowed, r the monthly rate (annual rate ÷ 12 ÷ 100) and n the number of months. The calculator above uses exactly this formula.
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