Permanent TSB Loan Calculator – Estimate Your Monthly Repayments Instantly
Our Permanent TSB Loan Calculator helps you quickly estimate your monthly repayments, total interest, and overall cost of a personal loan, car loan, or any unsecured borrowing from Permanent TSB.
Whether you’re planning a new car, home improvement, wedding expense, or consolidating existing loans, this calculator gives you clear, accurate repayment figures based on your chosen loan amount, interest rate, and loan term.
It’s fast, simple, and designed specifically for borrowers in Ireland who want to understand their PTSB loan repayment structure before applying.
For more financial tools and borrowing estimators, explore our full range of calculators in the resources section.
✅ What Is the Permanent TSB Loan Calculator?
The Permanent TSB Loan Calculator is an online tool that shows you how much you will repay each month when taking a loan from Permanent TSB (PTSB).
Using standard amortization formulas, it calculates:
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Monthly repayment
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Total cost of the loan
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Total interest payable
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Loan affordability
This tool is ideal for anyone comparing Irish loan providers or evaluating how a specific loan amount fits into their monthly budget.
You can also go through - Bank of Ireland Business Loan Calculator
✅ How to Use the Permanent TSB Loan Calculator
Using the calculator is simple and takes less than 10 seconds. Just follow these steps:
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Enter the Loan Amount (€)
Example: €5,000, €10,000, €20,000 -
Enter the Annual Interest Rate (%)
Use Permanent TSB’s current personal loan APR or any rate you want to compare. -
Select the Loan Term (Years)
E.g., 1–10 years, depending on the loan type. -
Click “Calculate Repayment”
The calculator instantly shows your:-
Monthly repayment
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Total repayment
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Total interest cost
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This helps you plan your loan budget and understand how much your PTSB loan will actually cost.
✅ How the Permanent TSB Loan Calculator Works
The calculator uses the standard amortized loan repayment formula, used by banks across Ireland:
Monthly Payment = (Loan × Monthly Interest) ÷ (1 – (1 + Monthly Interest)⁻ⁿ)
Where:
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Monthly Interest = APR ÷ 12
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n = Total number of months
This formula ensures your monthly repayment includes both principal and interest, providing accurate results similar to what Permanent TSB displays during a loan application.
Our tool works for all types of PTSB personal loans:
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Car loans
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Home improvement loans
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Wedding loans
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Medical loans
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Holiday loans
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Debt consolidation loans
✅ Why Use This Permanent TSB Loan Calculator?
Here’s why thousands of users prefer our loan calculator:
✔ 100% Free to Use
No signup, no email—instantly calculate repayments.
✔ Accurate Irish-Specific Results
Designed for the Irish lending market, using standard repayment formulas.
✔ Compare Loan Options Easily
Test different interest rates, loan terms, and amounts to see which is most affordable.
✔ Plan Your Budget Smartly
Know your exact monthly repayment before applying.
✔ Perfect for Car Loans & Personal Loans
Especially useful when comparing lenders:
Permanent TSB vs AIB vs BOI vs Credit Unions.
✔ Avoid Surprises
See the real cost of borrowing including total interest.
🔍 Frequently Asked Questions (FAQ)
1. What does the Permanent TSB Loan Calculator do?
It estimates your monthly repayments, total interest, and overall loan cost based on the amount, interest rate, and term you enter.
2. Is this calculator accurate?
Yes. It uses the same amortization formula used by banks and Irish lenders, including Permanent TSB.
3. What type of loans can I calculate?
You can calculate:
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Personal loans
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Car loans
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Home renovation loans
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Wedding loans
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Debt consolidation
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Any standard unsecured loan from PTSB
4. Does this calculator show the actual PTSB interest rate?
No. Permanent TSB’s real APR can vary based on your credit score, income, and loan type.
You can enter any interest rate to compare offers.
5. Does using this calculator affect my credit score?
No. This tool is for estimation only—no credit check is performed.