Does this calculator include DIRT?

Yes. The regular savings mode applies DIRT at 33% to credited interest.

What is inflation-adjusted value?

Inflation-adjusted value discounts future money into today's euro terms using your selected inflation assumption.

How is break-even gross rate calculated?

The model iteratively solves for the annual gross rate where after-tax growth equals inflation over the selected time horizon.

Savings Calculator Ireland 2026: DIRT, Inflation and Real Returns

Calculator inputs

Adjust any field to update results instantly

Initial Savings (EUR)

Monthly Contribution (EUR)

Annual Interest Rate (%)

Annual Inflation Rate (%)

Interest Credited

Contribution Timing

Time Period (Years)

Account Type

Projected value after 10 years

EUR 0.00

Nominal balance after DIRT & compounding

Total Contributed EUR 0.00

Interest Earned (Gross) EUR 0.00

Tax Paid EUR 0.00

            Net Interest
            EUR 0.00
          

            Inflation-Adjusted Value (today's EUR)
            EUR 0.00
          

Real Gain/Loss vs Contributions EUR 0.00

Effective After-Tax Return (annualised) 0.00%

Break-Even Gross Rate vs Inflation 0.00%

Compounding applied monthly, interest credited at chosen schedule, DIRT deducted when interest is credited. Inflation-adjusted value discounts future money using your inflation assumption. Returns are not guaranteed.

Method

How this calculator works

Three core mechanics drive outputs: compounding cadence, tax treatment at credit events, and inflation discounting.

Compounding

Monthly accrual engine

Interest accrues monthly from an annual rate converted to a monthly rate, then credits at your chosen frequency — monthly, quarterly, or annually.

Tax treatment

Tax deducted when credited

In DIRT mode, tax is applied when interest is credited, not continuously. State savings and pension modes are treated as fully tax-free growth.

Real value

Inflation-adjusted output

Future nominal balance is discounted by your inflation assumption, then compared against total contributions to show real gain or loss in today's euros.

FAQs

Calculator questions

Quick answers to common implementation and interpretation questions.

Does this include DIRT by default?

Yes. The default account type is regular savings with DIRT at 33% applied to credited interest.

Why show both nominal and real values?

Nominal shows euros on statement; real value estimates purchasing power after inflation over the same horizon.

Is break-even rate an estimate?

It is numerically solved using the same compounding and tax rules in this model to match your selected timeline and settings.

Is this financial advice?

No. This page is educational. Validate assumptions and seek qualified advice for personal financial decisions.

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