Hi everyone, I have done up a calculator which should give a fairly accurate idea of how much you will receive. It is a bit of a large sheet but the procedures at the top of the page are pretty simple, anyone familiar with basic excel can have it done in 2 minutes once they have their information. It is based on the standard variable rates that AIB were charging over the period but if you were on a different rate just follow the procedures at the top of the page. I have Capitalised the Interest quarterly as that is when AIB charge Interest. I have used the last day of the month in each quarter, I know this probably differs to the dates that AIB charge the Interest but this should not make much of a difference. Happy to take any advice/constructive criticism of the attachment.