Household finance planner

Cork → Dublin | Financial Dashboard

Current wealth, property transition and long-term planning — all in one place.

Reconciliation needed: the €9,500 house deposit and €10,000 gift may already be included in another account. They are listed in assets, but excluded from the default spendable-cash estimate until you confirm whether they are additional funds.

Overview

A clear view of what you own today — and what a future move could look like.

Dublin home not yet purchased

Current balance sheet

Financial assetsProperty equityLiabilities

Target Dublin purchase · illustrative

This is a scenario, not a completed transaction or mortgage offer.

Current vs projected position

Projected values assume a hypothetical completion. Switching sale/purchase scenarios does not change the current balance sheet.

Accounts & Assets

Edit balances, liquidity, returns, fees and confirmation status. Blank balances remain unknown.

Financial assets

AccountTypeValue (€)LiquidityReturn %Annual fee %Tax categoryStatusCash treatment

Use “Included elsewhere” for balances that are already part of another account, so totals and spendable cash are not double-counted. Pension assets count toward wealth but not house-purchase cash.

Liabilities

Current liabilities only
LiabilityTypeBalance (€)StatusNotes

Current Home · Cork

This is the home you own today. Sale prices below are hypothetical and never alter current net worth.

Current asset

Current property details

Illustrative sale-price range

Sale-cost assumptions

Dublin Property

Model sale proceeds, transaction costs, borrowing needs and cash left after completion.

Planning rule: the mortgage amount required to complete is different from the mortgage a lender may approve. Both are shown. Current assets remain separate until the hypothetical completion date.

Scenario assumptions

Scenario result

Funds flow at completion

Mortgage Calculator

Illustrative capital-and-interest or interest-only repayment calculations.

Rates are assumptions, not offers

Loan assumptions

Repayment summary

Rate sensitivity

Scenario Comparison

Compare the four starting cases and any scenarios you add.

Mortgage required by purchase price

Long-Term Plan

An assumption-led forecast that transitions to the post-purchase balance sheet at completion.

Forecast, not a prediction

Forecast assumptions

Estimated household net worth

Forecast checkpoints

Assumptions & Settings

Global assumptions, reconciliation controls, and backup/reset options.

Household & mortgage eligibility

Reconciliation

Data management

Data is stored in this browser on this device. It is not synced to a bank or cloud account. Export a JSON backup before clearing browser data or moving devices.

This is a household planning tool, not a mortgage approval, regulated financial recommendation or tax calculation. Confirm figures, tax treatment and lender criteria with relevant professionals.

Regulatory reference points (checked 23 October 2026)

For second/subsequent buyers, the Central Bank of Ireland's standard mortgage measures state a 3.5× gross-income loan-to-income limit and a 90% loan-to-value limit, subject to the detailed rules and limited lender allowances. These limits do not guarantee approval. Central Bank of Ireland — Mortgage Measures.

Residential stamp duty is modelled at 1% up to €1m, 2% on the portion over €1m up to €1.5m, and 6% on the portion over €1.5m, subject to applicability and current law. Revenue — Stamp Duty Rates.

Source checks are a starting point only; verify the rules in force when contracts are executed and whether any special rules apply to your purchase.