Interactive Tools

Inflation Erosion

Money in a low-interest account can feel safe, but prices keep rising while the interest barely moves. This tool shows what your savings could really buy in the future, so you can see the quiet cost of leaving them where they are.

Inflation Erosion
€
yrs

Beyond 5 years, it's generally worth exploring investing rather than a savings account.


%
%

Current accountSavings account

Current account0.1%
-
what it'll really be worth
-
lost to inflation
Savings account3%
-
what it'll really be worth
-
lost to inflation

Assumes 2.5% annual inflation, a common long-run planning figure, in the calculations above. This is an illustration only, not financial advice.

Rate Switch Ledger

If mortgage rates have dropped since you took yours out, switching could save you real money. Enter your balance, your current rate and a rate you’ve been offered to see two options: a lower monthly payment, or the same payment with your mortgage paid off sooner.

Rate Switch Ledger
€
%
%

Current rateNew rate on offer

yrs
Reduce monthly payment
-
total saved over the term
-
saved every month
Keep monthly payment the same
-
total saved (interest avoided)
-
off the mortgage term

Same balance, same term, lower rate. Doesn't include switching costs or a fixed-rate breakage fee, ask your lender about these before switching. This is an illustration only, not financial advice.


Money Foundations is a trading name of Nienhuis Financial Coaching, business name number 682083, registered in Ireland. Fully insured for 1:1 coaching, presentations, and group workshops.


Money Foundations provides financial coaching and education, not regulated financial advice. Edwin Nienhuis holds a Professional Diploma in Financial Advice (QFA), which informs the coaching, but does not act in an advisory capacity through this service, does not recommend specific financial products, investments, or pension decisions, and does not receive commission from any provider. If you need advice of that kind, please consult a Central Bank of Ireland-authorised advisor.

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