Kalkulator.cz review

Updated September 29, 2026 · BorrowCue Editorial Team · Facts checked September 29, 2026

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Our verdict

Kalkulator.cz suits borrowers in Czechia who want to compare fixed rate personal loans and mortgages in a marketplace before choosing a lender. Personal loan APRs run 7.36% to 10.07% with funding in 1-3 working days while mortgage illustration pairs an initial rate of 5.69% with APRC of 5.96%.

Key facts

Best for
Fixed rate loan and mortgage comparison in Czechia
APR
7.36% to 10.07% (Source, checked September 28, 2026)
Arrangement fee
0 CZK (Source, checked September 28, 2026)
Funding time
1-3 working days (Source, checked September 28, 2026)
Representative example
Loan 140000 CZK for 96 months, rate 9.49%, RPSN 10.07%, monthly 2109 CZK, total 202348 CZK (Source, checked September 28, 2026)
Rate type
Fixed (Source, checked September 28, 2026)
Lender type
Marketplace (Source, checked September 28, 2026)
Eligibility
18+ (sometimes 21+), Czech citizenship or permanent residence (Source, checked September 28, 2026)
Loan types
Personal, Car, Business, Debt-consolidation (Source, checked September 28, 2026)
Use cases
Home-improvement (Source, checked September 28, 2026)
Legal entity
kalkulator.cz, s.r.o. (Source, checked September 28, 2026)
Headquarters
Czechia (Source, checked September 28, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 28, 2026)
Pricing model
Fixed rate
Official website
kalkulator.cz

Mortgages

Initial rate
5.69% (Source, checked September 29, 2026)
APRC
5.96% (Source, checked September 29, 2026)
Fixed period
5 years (Source, checked September 29, 2026)
Maximum loan to value
80% to 90% (Source, checked September 29, 2026)
Product fee
CZK 0 (Source, checked September 29, 2026)
Purpose
Purchase, Remortgage (Source, checked September 29, 2026)
Lender type
Marketplace (Source, checked September 28, 2026)
Legal entity
kalkulator.cz, s.r.o. (Source, checked September 28, 2026)
Headquarters
Czechia (Source, checked September 28, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 28, 2026)

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • Marketplace choice across personal, car and business with fixed pricing described as fixed and APRs of 7.36% to 10.07%
  • No origination burden with fees of 0 CZK and product fees of CZK 0
  • Mortgage path for purchase and remortgage with initial rate of 5.69% and fixed period of 5

Cons

  • Funding in 1-3 working days is slower than same day choice, which matters when timing is tight
  • Maximum loan to value of 80% to 90% limits higher loan to value borrowing for purchase and remortgage
Kalkulator.cz

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Scored 8.5 / 10 by BorrowCue.

See alternatives

Who it suits

  • Borrowers in Czechia comparing personal, car, business and consolidation loans
  • Buyers and remortgage seekers comparing purchase and remortgage illustration

Who should look elsewhere

  • Borrowers outside Czech residence rules who would suit Mi Prestamo better for Spanish focus
  • Borrowers seeking card credit who would suit AXI Card Tarjeta y Credito better than fixed loans

The company behind it

The service is operated by kalkulator.cz, s.r.o. with a base in Czechia. It works as a comparison marketplace rather than a direct lender, so offers come from matched providers. Customer contact runs through email, phone and help centre, giving email and phone routes plus help centre material for routine questions.

How Kalkulator.cz compares

Where Kalkulator.cz is available

Available
Czechia
Licence in Czechia
Czech National Bank, checked September 28, 2026

Countries from the brand (Source, checked September 28, 2026)

Frequently asked questions

What does borrowing cost through Kalkulator.cz?+

Personal loan APRs run 7.36% to 10.07% on fixed rate terms described as fixed. Origination fees are 0 CZK and product fees are CZK 0. You should compare the published example alongside APR because term length changes total payable.

What does the mortgage illustration show?+

Mortgage illustration shows an initial rate of 5.69% with APRC of 5.96% and a fixed period of 5. Cover includes purchase and remortgage with maximum loan to value of 80% to 90%. You should weigh rate against APRC and deposit needs before applying.

Who can apply through Kalkulator.cz?+

Access is limited to adults with Czech citizenship or permanent residence, with a minimum age that can vary by lender. The base is in CZ and the model is marketplace. You should confirm residence and age terms with the matched lender.

How fast is payout after approval?+

Funding time is 1-3 working days after approval by the matched lender. The model is marketplace, so payout depends on lender checks rather than the comparison site. You should allow working days for verification and transfer when planning spend.

Is Kalkulator.cz a lender and who runs it?+

The operator is kalkulator.cz, s.r.o. based in Czechia and acts as a marketplace rather than a direct lender. Oversight context points to Czech National Bank in licences. You should check lender terms separately because marketplace terms vary by provider.

How can you get help?+

Support runs on email, phone and help centre, covering email and phone plus help centre material. You should use phone for urgent queries and email when you need a written record for your application.

Sources

  • kalkulator.cz checked September 29, 2026

    Backs: Product fee, Support channels

    “info@kalkulator.cz ... +420 253 253 100 ... Caste dotazy”

  • kalkulator.cz/hypoteky checked September 29, 2026

    Backs: Purpose, Initial rate, APRC, Fixed period, Maximum loan to value

    “Koupe nemovitosti Refinancovani Vystavba nemovitosti Rekonstrukce nemovitosti”

  • cnb.cz/cnb/jerrs checked September 28, 2026

    Backs: Licences

  • kalkulator.cz/podminky-portalu checked September 28, 2026

    Backs: Headquarters, Legal entity

    “Zenklova 32/28, Liben, 180 00 Praha 8”

  • kalkulator.cz/pujcky checked September 28, 2026

    Backs: Lender type, Loan types, Pricing model, Arrangement fee, Rate type, Representative example, Use cases, APR, Eligibility, Funding time

    “Spotrebitelsky uver ... Hypotecni uver ... Autouver ... Podnikatelsky uver ... Konsolidace pujcek”

Compiled from 5 source pages, checked September 29, 2026. We did not open an account.

Not confirmed yet: Loan amount, Term, Credit check.

Kalkulator.cz

Kalkulator.cz

Fixed rate loan and mortgage comparison in Czechia

8.5/10See alternatives

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