YOUR MONEY TODAY
Overview
Good morning.
Your September plan is looking healthy.
ACCOUNTS
Your balances
BUDGET
This month
0 categories€0 planned
UPCOMING
Recurring bills
START HERE
Set up EuroWise in five simple steps
Work through the essentials in order. You can return here at any time and update every figure later.
0/5key areas ready
MONTHLY PLAN
Give every euro a job
Set category limits and see what is left before your next payday.
0%of income planned
CATEGORIES
Your budget
SAVINGS
Build towards what matters
Track deposits separately from everyday spending.
YOUR DEBTS
Repayment order
MANUAL ASSET TRACKER
Everything you own, in one place
Enter each balance yourself. EuroWise never asks for bank credentials or connects to your accounts.
BY TYPE
Your asset mix
YOUR ENTRIES
Manual balances
YOUR FRIENDLY CHECK
Add your figures
We’ll show how the purchase may affect your savings and monthly breathing room.Money left afterwards€0
Total paid€0
WHAT STANDS OUT
A few things to consider
GROWTH LAB
See the market. Test the long game.
Explore major shares, US index funds and global funds, then estimate what consistent weekly investing could grow into over time.
MARKET BOARD
Shares & index-tracking funds
Choose a market below to load its chart. Indexes cannot be bought directly, and ETF/fund tax can differ from direct shares. Exchange data may be delayed.
Select a market to view its chartThe chart will only connect to TradingView after you choose a fund or share above.
YOUR PROJECTION
How compounding builds
Contributions€0Estimated growth€0
IRISH TAX VIEW
What this estimate includes
Direct-share calculator onlyThe index-tracking and ETF charts above are for market reference. Do not use this CGT result as an ETF or fund tax estimate.
- Models direct shares taxed under Capital Gains Tax—not ETFs, funds, pensions or investment policies.
- Applies 33% CGT to the estimated gain after one €1,270 personal exemption in the final sale year.
- Assumes the entire holding is sold together at the end and ignores losses, dealing costs and foreign tax credits.
- Does not calculate tax on dividends. Dividend income can be subject to Income Tax, USC and PRSI while you hold shares.
Illustrative education only—not financial or tax advice. Tax treatment depends on the investment, domicile and your circumstances. Confirm decisions with Revenue or a qualified adviser.
YOUR FINANCIAL ROADMAP
See what comes next
Forecast cash flow, track net worth and estimate your retirement fund.
30-DAY FORECAST
Upcoming money
SCHEDULE
Recurring items
NET WORTH
Assets and liabilities
PENSION
Retirement projection
Estimated fund at 68€0€0 contributed each year
REPORTS & DATA
Your monthly picture
Income€0
Spending€0
Savings rate0%
A backup contains the data saved by EuroWise in this browser.
Estimated take-home pay
€0per yearMonthly€0
Weekly€0
ANNUAL BREAKDOWN
Where your salary goes
Take-home pay€0
Income Tax (PAYE)€0
Universal Social Charge€0
Employee PRSI€0
Pension contribution€0
YOUR CALCULATION
Tax details
Income taxed at 20%€0
Income taxed at 40%€0
Tax credits applied€0
Taxable after pension relief€0
Marginal deduction rate0%
Illustrative estimate only, not tax advice or a payslip calculation. Actual payroll can differ because of Revenue-assigned credits and bands, pay frequency, benefits, prior pay, PRSI subclass, medical-card USC rates and other circumstances. Pension relief is limited by age and the €115,000 earnings cap; employee contributions do not reduce USC or PRSI.
IRISH MORTGAGE ESTIMATOR
Plan the full cost of buying
Explore repayments, deposit needs, borrowing limits and upfront costs in one place.
At a rate 2% higher€0 / month
Total monthly housing cost€0 / month
With your overpayment€0 / month
RENT REALITY CHECK
What renting may cost nearby
Official average rent in Limerick€0per month
Compared with buyingAdd your mortgage details above
Official county average: €0/monthRTB/ESRI source ↗
County averages are official standardised new-tenancy rents. Property-size estimates scale the RTB’s regional figures to the selected county. Room figures are EuroWise estimates based on Daft’s national €806 double-room benchmark; single rooms are estimated at 82% of that amount. Actual asking rents can vary significantly by town, condition and availability.
MARKET REFERENCE
Rates advertised by Irish lenders
Selected owner-occupier examples from lenders’ published rate tables. Eligibility can depend on LTV, BER, loan size and other lending criteria.
Borrowing rates are shown for reference and may change. “Use rate” updates only the calculator’s interest rate—always confirm the full offer, APRC, cashback and conditions directly with the lender.
CHECKS
How this scenario looks
Some lenders may lend above the Central Bank limits within restricted allowances. Meeting these measures does not guarantee approval; lenders also assess affordability, existing debts, age, credit history and the property.
UPFRONT COSTS
Cash breakdown
Your cash deposit€0
Help to Buy contribution€0
First Home Scheme equity€0
Estimated stamp duty€0
Solicitor€0
Valuation€0
Survey and other costs€0
Annual property tax estimate€0
Total cash needed€0
FIRST PAYMENT
Principal vs interest
Principal €0Interest €0
With a standard repayment mortgage, the interest share usually falls over time as the balance reduces.
OVERPAYMENT
Potential impact
Estimated interest saved€0
Time saved0 months
New payoff time0 years
Check your lender’s annual overpayment allowance and any early-repayment charge.
Illustrative figures, not financial advice, tax advice or a mortgage offer. Help to Buy depends on eligibility and tax paid; First Home Scheme eligibility and property-price ceilings vary. Local authorities can adjust the basic LPT rate. Confirm all figures with Revenue, the First Home Scheme, your lender, insurer and solicitor.
IRISH CAR FINANCE
See the full cost behind the monthly figure
Calculate a PCP repayment, compare the balloon payment and understand your choices at the end.
Deposit0%
GMFV / balloon0%
Amount financed€0
AT THE END
Your three choices
1Pay the final amountPay €0 and own the car.
2Return the carHand it back, subject to mileage, servicing and condition rules.
3Trade into another PCPYour equity depends on the car’s market value.
MILEAGE CHECK
Possible excess charge
0 kmestimated over the full term
Possible mileage charge€0
Expected total driving0 km
The dealer may also charge for damage, missing servicing or condition outside the agreement.
QUOTE CHECK
What stands out
Illustrative estimate only, not financial advice or a finance offer. PCP is generally a form of hire purchase: the finance provider owns the car until the final payment is made. APR calculations and fee treatment can vary by agreement. Confirm the representative example, total amount payable, mileage limit, condition rules and early-exit terms with the regulated finance provider before signing.
PRIVACY CENTRE
Your figures are encrypted before cloud saving
The current EuroWise app encrypts signed-in financial plans in the browser. The encryption passphrase and recovery key are not uploaded.
WHAT IS STORED
Account and plan data
- The sign-in service stores the user’s email address and account identifier.
- Financial entries are uploaded only as an encrypted data package.
- Supabase stores technical timestamps needed for saving and account operation.
- Selecting a market in Growth Lab loads that chart from TradingView. No EuroWise plan figures are included in that request.
- EuroWise does not ask for bank passwords, card PINs or online-banking credentials.
WHO CAN READ IT
Access boundaries
- The user can decrypt their plan using their passphrase or recovery key.
- Other users cannot query the record because row-level ownership rules are enforced.
- Database administrators can see account metadata and encrypted ciphertext, but not the stored plan contents.
- A person with access to an unlocked device may see information currently open on that device.
ON THIS DEVICE
Local protection
- Signed-in local copies are stored in encrypted form.
- The decrypted plan exists temporarily in browser memory while the app is unlocked.
- Closing or refreshing the app requires the encryption passphrase again.
- Signed-out, device-only plans use browser storage and should only be used on a private, secured device.
USER CONTROLS
Choices and deletion
- Replace the encryption passphrase or recovery key from Account settings.
- Enable authenticator-app two-factor authentication.
- Sign out the current device or all active sessions.
- Delete the complete EuroWise account and encrypted financial record permanently.
IMPORTANT LIMITS
What users should know
Never enter highly sensitive credentialsDo not enter PPS numbers, bank passwords, card numbers, PINs, authentication codes or identity-document numbers. EuroWise only needs financial totals and planning figures.
Client-side encryption protects the saved plan from a database-only compromise, but it cannot protect an unlocked device, a compromised browser, a malicious extension, a malicious future app update, or a recovery key shared with someone else. Users are responsible for keeping their passphrase and downloaded recovery key private.
RETENTION & CONTACT
Privacy notice status
Encrypted plan data is retained until the user deletes the account. Account deletion removes the financial record and sign-in identity. EuroWise is operated from Ireland. Formal data-controller identity, postal contact details, processor information and a dedicated privacy contact must be published before a wider commercial launch.