Know what you'll really pay.
Mortgages, take-home pay, VAT and more. Put in your figures, see the real cost in seconds, with every number explained in plain English.
No account needed · Built for UK rules · Estimates, not advice
Enter your numbers
Just the figures you already know, like the price, your deposit and the rate.
See it instantly
The monthly payment and total cost update as you type. No waiting, no signup.
Understand it
We break the number down in plain English, so you know what drives it.
Why you can trust the numbers
Built for UK rules
Set up for UK mortgages and tax, 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 clear guide to plan with, never dressed up as advice.
Stays in your browser
The numbers you type are worked out on your device and never sent to us.
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.
Work out your mortgage in seconds
Free, no signup, and broken down so it actually makes sense.
Every calculator gives an estimate to help you plan. It is not financial advice, and figures should be confirmed with HMRC, your lender or a qualified adviser before you commit.