Irish Calculators
Loans & mortgages

Bridging Loan Interest and Exit Cost Calculator

Compare how the stated interest treatment changes the cash received and amount due at exit. Use actual quote terms; the result does not establish loan eligibility or a future sale value.

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Your numbers

€
Use the principal owed before the next interest period.
Your figures stay on this device.

How the calculation works

Bridging quotes can use the same headline monthly rate but deliver different cash advances and exit obligations. The calculator separates the gross loan, cash actually received, interim interest payments and the amount due when the bridge ends.

Serviced or retained interest = gross principal × monthly rate × months. Rolled interest = principal × [(1+monthly rate)^months − 1]. Net advance deducts upfront fees and any retained interest.

  1. Calculate the interest charge

    Serviced and retained modes use principal multiplied by monthly rate and whole months. Rolled mode compounds the balance for the entered number of months.

  2. Work out usable cash

    Upfront fees reduce the gross advance in every mode. Retained mode also deducts the full simple-interest charge immediately; deductions cannot consume the entire advance.

  3. Identify the exit obligation

    Principal and the exit fee are due at the end. Rolled mode also adds accumulated interest, whereas serviced interest has been paid monthly and retained interest was withheld at the beginning.

Worked example: Simple interest retained upfront

Sample inputs demonstrate the method. They are not a forecast or product offer.

The example retains three months of interest on €10,000 at 1% monthly: €300. Deducting that and a €100 upfront fee leaves €9,600. At exit, €10,000 principal plus €50 is due. Interest and both fees total €450.

Loan balance (€)
10000
Monthly interest rate
1
Term (whole months)
3
Interest treatment
Simple interest retained upfront
Fees deducted from advance
100
Exit fee
50

Expected result

Net cash received
€9,600.00
Payment at exit
€10,050.00
Total finance cost
€450.00
Worked example: Two months of capitalized interest

Sample inputs demonstrate the method. They are not a forecast or product offer.

Loan balance (€)
10000
Monthly interest rate
1
Term (whole months)
2
Interest treatment
Compounded monthly and paid at exit
Fees deducted from advance
0
Exit fee
0

Expected result

Net cash received
€10,000.00
Payment at exit
€10,201.00
Total finance cost
€201.00

Understanding your result

Net cash received is the money available for the transaction. It can be substantially below the loan principal on which interest is charged.

Total finance cost combines interest with both fee amounts. Compare that cost alongside the timing of payments; the tool does not turn the quote into a regulatory APR.

Questions you might have

Why is net cash lower than the loan amount?

Upfront fees and retained interest can be deducted from the advance while interest is still calculated on the gross principal.

Choosing the right inputs

Monthly interest rate
Enter the percentage charged per month, not an annual percentage. A value of 1 means one percent each month.
Interest treatment
Match the quote: serviced interest is paid monthly, retained interest is deducted upfront, and rolled interest compounds into the exit balance.
Fees deducted from advance
Enter fees deducted from the advance. The exit fee belongs in its separate field; neither fee is inferred from the principal.

Common mistakes to avoid

  • Do not divide an annual rate by 12 unless the quote explicitly uses that nominal convention.
  • The model uses whole regular months and does not infer early-exit rebates, minimum-interest periods or daily charging rules.

Assumptions to check

  • Use a known quote. This is not a loan offer, eligibility check or forecast of property resale.

Sources and method

Read our calculation and testing approach.