Irish Calculators
Updated for 2026
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Ireland State Savings Calculator 2026

Calculate Ireland State Savings maturity values by issue date, compare tax-free fixed-term and Instalment Savings returns, and test a bank rate after DIRT.


Ireland State Savings Calculator Official issues · date-aware

Compare a lump-sum investment across the three fixed-term State Savings products.

Fixed-term State Savings

Determines the issue and official rate used.
Compared after standard 33% DIRT and annual crediting.
The fixed-term result assumes you hold the product to maturity. Early-repayment values depend on the terms for your exact issue and are not estimated here.

State Savings Return

Enter an amount and date to see the matching issue, tax-free maturity value, AER and taxable bank-rate comparison.

Rates reviewed 19 August 2026. Fixed Term and Instalment Savings returns are tax-free. Post Office Savings Bank interest is different and is subject to DIRT. NTMA rate announcement State Savings rate table Revenue DIRT rate

How this Ireland State Savings estimate is calculated

The calculator selects the official issue available on the date entered, applies that issue's published total return at maturity, and compares it with an optional taxable bank-rate illustration.

Published by Irish Calculators. Rates, rules and assumptions are maintained against the official sources linked below.

  1. The purchase or registration date selects the issues available up to 29 August 2026 or the new issues available from 30 August 2026.
  2. For a fixed-term product, tax-free profit is the amount invested multiplied by the official total return; maturity value is the original amount plus that profit.
  3. For Instalment Savings, twelve equal monthly lodgements are totalled and the official maturity return for the selected issue is applied.
  4. The approximate taxable gross AER needed to match a tax-free AER is calculated as tax-free AER divided by 1 minus the standard 33% DIRT rate.
  5. The bank comparison assumes an unchanged gross AER and annual crediting for lump sums, or monthly compounding for the instalment illustration.

Source note: NTMA and Ireland State Savings official 2026 rate announcements and product guidance, with Revenue guidance for the standard 33% DIRT comparison. This is an estimate only and not financial advice.

How This Calculator Works

1
Choose Lump Sum for a 3-, 5- or 10-year fixed-term product, or Monthly Savings for the six-year Instalment Savings product.
2
Enter the purchase or registration date. The calculator uses the issue open on that date, including the new issues from 30 August 2026.
3
Enter the lump sum or monthly instalment within the official product limits, and optionally enter a taxable bank gross AER for comparison.
4
Review the official total return, AER, tax-free profit, maturity value, maturity date and approximate taxable gross AER needed to match the tax-free rate.
5
Check the official issue terms before buying or encashing early; this tool calculates maturity returns only.

Who This Calculator Is For

Savers comparing the new Ireland State Savings rates starting 30 August 2026.
Existing customers checking why a previous issue keeps its original rate.
People comparing a tax-free State Savings return with a bank savings rate after DIRT.
Parents or households testing a monthly Instalment Savings plan.
Anyone comparing the 3-year Savings Bond, 5-year Savings Certificate and 10-year National Solidarity Bond.

Frequently Asked Questions

What are the new Ireland State Savings rates from 30 August 2026?
For new issues from 30 August 2026, the 3-Year Savings Bond has a 6% total return and 1.96% AER; the 5-Year Savings Certificate has a 12% total return and 2.29% AER; six-year Instalment Savings has a 13.5% total return and 2.33% AER; and the 10-Year National Solidarity Bond has a 30% total return and 2.66% AER.
Do existing State Savings holdings get the new rate?
No. The NTMA says the new rates apply to new issues available from 30 August 2026. Products already taken out keep the rate and terms that applied when purchased.
Are Ireland State Savings returns tax-free?
The returns on Fixed Term products and Instalment Savings, and Prize Bond winnings, are tax-free. Post Office Savings Bank deposit interest is different and is subject to DIRT.
How much can I put into a fixed-term State Savings product?
The official rate FAQ states a minimum purchase of €50 and a maximum holding of €120,000 in each fixed-term product, subject to the product terms.
How much can I save through Instalment Savings?
The official limits are €25 to €1,000 per month for twelve monthly lodgements. The product then enters its interest-bearing period.
Can I cash State Savings in early?
State Savings products can have early-repayment rules, but the amount returned depends on the exact issue and timing. This calculator deliberately shows maturity values only; check the official terms for your issue before acting.
Are Ireland State Savings guaranteed?
The NTMA describes repayment of Ireland State Savings money as a direct, unconditional obligation of the Irish Government. That is different from the Deposit Guarantee Scheme used for eligible bank deposits.
What bank rate matches a tax-free State Savings AER?
As a simple standard-DIRT comparison, divide the tax-free AER by 0.67. For example, a 2.66% tax-free AER is approximately equivalent to a 3.97% gross bank AER before 33% DIRT. Product timing and conditions can still make real results differ.
Does the calculator include Prize Bonds?
It explains the official Prize Bond changes but does not present winnings as a guaranteed return. Prize draws are chance-based, so a deterministic maturity calculator would be misleading.
Who manages Ireland State Savings?
The National Treasury Management Agency manages Ireland State Savings on behalf of the Minister for Finance, while An Post provides customer-facing services for most products.

Ireland State Savings rates from 30 August 2026

The new issues improve every fixed-term and Instalment Savings maturity return. Earlier holdings do not switch automatically.

ProductNew issueTotal returnAERPrevious total / AER
3-Year Savings BondIssue 196%1.96%4% / 1.32%
5-Year Savings CertificateIssue 2612%2.29%9% / 1.74%
6-Year Instalment SavingsIssue 1813.5%2.33%10% / 1.75%
10-Year National Solidarity BondIssue 1030%2.66%22% / 2.01%

New issues are available from 30 August 2026. The previous issues close on 29 August 2026. Use the date field above instead of applying the headline new rate to an older holding.

Worked example: €10,000 invested after 30 August 2026

Official total return makes the maturity arithmetic transparent.

ProductTax-free profitMaturity valueApprox. taxable AER match
3-Year Savings Bond€600€10,6002.93% gross
5-Year Savings Certificate€1,200€11,2003.42% gross
10-Year National Solidarity Bond€3,000€13,0003.97% gross

The taxable AER match divides each tax-free AER by 0.67 to illustrate standard 33% DIRT. It is a rate comparison, not a claim that accounts have identical access, interest-crediting or early-withdrawal terms.

Post Office Savings Bank and Prize Bonds are different

Do not mix deposit interest and chance-based prizes into a guaranteed fixed-term return.

From 30 August 2026, the variable Post Office Savings Bank deposit rate is 1.25%. Its interest is subject to DIRT, and the official maximum deposit is €250,000. From 1 September 2026, the Prize Bond fund rate increases from 1.00% to 1.50%, or 1.5 times its previous level. The NTMA expects about 10,000 prizes each week, while the €500,000 monthly jackpot remains.

Prize Bond winnings are tax-free, but an individual holder is not guaranteed to win. For that reason, this calculator does not turn the prize fund into a promised personal AER.

What this calculator does not assume

Conservative scope prevents a precise-looking but unsupported answer.

  • It does not estimate an early-encashment value for a new issue before the official issue-specific repayment table is available.
  • It does not assume an old holding receives a newly announced rate.
  • It does not model Prize Bond winnings as guaranteed.
  • It does not treat a bank rate as fixed unless you enter it as a constant comparison assumption.
  • It does not replace the official application, product terms or professional financial advice.

Related Guides

Ireland State Savings Guide Products, rates, tax treatment, access, guarantees and issue-date rules. State Savings vs Bank Savings Compare tax-free State Savings AER with a taxable bank rate after DIRT. Prize Bonds Ireland Prize fund rate, draw structure, tax treatment and why returns are not guaranteed. DIRT and Savings Interest Understand the standard 33% DIRT comparison used by this calculator. Savings Goal Planning Ireland Plan contributions before choosing a product term. Loans & Savings Guide Hub Browse savings, DIRT, borrowing and emergency-fund guides.
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