Estimated monthly home costs

Bring insurance, utilities and ongoing ownership allowances into the monthly view.

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Estimated Monthly Mortgage€838.72Carried from the mortgage plan or the starting figures entered in this expense calculator.

Buildings Insurance per Month

€

Mortgage Protection per Month

€

Contents Insurance per Month

€

Groceries per Month

€

Electricity and Gas per Month

€

Security Alarm per Month

€

Broadband per Month

€

Childcare per Month

€

Annual Local Property Tax Estimate

€

Shown annually. The monthly summary uses one twelfth.Annual Maintenance and Bins

€

Enter the expected yearly total.

Additional Monthly Costs

Estimated Other Monthly Costs€0.00

Insurance and Protection+

Buildings insurance is generally required by mortgage lenders and protects the structure. Mortgage protection is generally required for an Irish mortgage, subject to limited exemptions, and helps repay the mortgage if an insured borrower dies. Contents insurance protects belongings and is optional but strongly recommended. All figures are planning allowances; cover, underwriting and premiums differ by provider and applicant.

Energy and BER+

Electricity and gas starts from the bedroom count and BER. It is an editable planning estimate rather than a prediction of actual bills.

Annual Property Tax+

The annual estimate uses Revenue’s 2026–2030 valuation bands. A local-authority adjustment may change the final bill.

Maintenance and Bins+

A yearly home-maintenance allowance can include routine repairs, servicing and waste collection. The summary divides it by twelve.