calcd

Mortgage · Take-home pay · Stamp duty · +20 more

Know what you'll really pay.

Put in your figures, see the real cost in seconds, with every number explained in plain English.

Browse all calculatorsMortgage calculator
£
£
Interest rate4.5%
Term25 years
Monthly repayment£1,751
See full breakdown
01 · How it works

No learning curve. Just your numbers.

calcd does one thing well: it answers the money question fast, then tells you what the answer actually means.

  1. 01

    Choose what to work out

    Mortgage repayments, take-home pay, stamp duty, clearing a debt or hitting a savings goal: pick the question you have.

  2. 02

    Enter what you already know

    Just the figures from your own situation, like your salary, your savings, a deposit or a balance to clear.

  3. 03

    Know what it means

    Every result is broken down in plain English, so you can see what drives the number and what to do next.

02 · The suite

Get the real number on any money decision

01 · Earn3 tools
Take-home payWhat actually lands in your account.Salary sacrificeWhat sacrifice saves on tax and NI.BudgetSee what's left after the bills.
02 · Buy a home5 tools
Mortgage affordabilityHow much you could borrow, from your income.Mortgage repaymentsMonthly repayments and total interest over the term.Loan to value (LTV)Your LTV, rate band and deposit to the next one.Stamp dutyWhat you'll pay when you buy in England or NI.Mortgage overpaymentSee the interest and years you could save.
03 · Get out of debt3 tools
Debt payoffClear debt faster: snowball or avalanche.Credit card repaymentHow long to clear it, and what it costs.Loan repaymentsMonthly cost and total interest on a loan.
04 · Build wealth8 tools
SavingsSee what regular saving could grow into.Savings goalHow much to save a month to hit your target.Compound interestHow your savings grow with compound interest.InflationWhat your money will be worth in future.PensionProject your pension pot at retirement.FIREWhen you could reach financial independence.Net worthAssets minus liabilities, broken down clearly.Rental yieldGross and net yield on a buy-to-let property.
05 · Business & tax4 tools
VATAdd or remove VAT at 20%, 5% or 0%.Corporation taxYour bill at 19%, 25% or with Marginal Relief.Dividend taxTax on your dividends, band by band.Capital gains taxTax on your gain, after the £3,000 exemption.
03 · Why calcd

Numbers you can actually trust.

Built for UK rules

Set up for UK mortgages, tax and thresholds, not a generic global calculator.

Shown working

Every result is broken down so you can see exactly how it is worked out.

Estimates, and we say so

Figures are a guide to plan with, never dressed up as financial advice.

04 · FAQ

Common questions

Are the rates up to date?
Yes. We track UK rates and thresholds, and each calculator shows when it was last updated.
Do I need an account?
No. Every calculator is free and works straight away without signing up.
Is this UK only?
Yes, calcd is built for UK money questions and UK rules.
Is this financial advice?
No. The results are estimates to help you plan. Confirm important numbers with a qualified adviser or the relevant authority before you act on them.

Plan with real numbers

Stop guessing what it costs.

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