Kalkulator.cz review
Updated September 29, 2026 · SumCue Editorial Team · Facts checked September 29, 2026
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Our verdict
Kalkulator.cz suits Czech households comparing everyday cover alongside personal borrowing in a single place. As a comparison site offering insurance types of auto, home and travel with loan APRs of 7.36% to 10.07%, it fits shoppers who value side by side choice plus phone and email help.
Key facts
Loans
- APR
- 7.36% to 10.07%↗
- Arrangement fee
- 0 CZK↗
- Funding time
- 1-3 working days↗
- Representative example
- Loan 140000 CZK for 96 months, rate 9.49%, RPSN 10.07%, monthly 2109 CZK, total 202348 CZK↗
- Rate type
- Fixed↗
- Lender type
- Marketplace↗
- Eligibility
- 18+ (sometimes 21+), Czech citizenship or permanent residence↗
- Loan types
- Personal, Car, Business, Debt-consolidation↗
- Use cases
- Home-improvement↗
Facts checked September 29, 2026, 5 sources
Apps and profiles
- Elsewhere
Pros and cons
Pros
- Covers auto, home and travel for everyday needs from car to pet
- Marketplace loans cover personal, car and business with choice through marketplace
- Origination fee of 0 CZK keeps comparison cost free upfront
- Help via email, phone and help centre including phone for direct queries
Cons
- Funding in 1-3 working days suits planned borrowing rather than urgent same day needs
- Loan focus stays on home improvement, so other goals depend on lender terms
Ready to try Kalkulator.cz?
Scored 8.6 / 10 by SumCue.
Who it suits
- Czech residents comparing car, home, travel or pet cover alongside borrowing
- Borrowers comfortable choosing between marketplace lenders on fixed terms
Who should look elsewhere
- Shoppers wanting health or gadget cover may prefer Oney Préstamos for its lifestyle led range
- Readers seeking dedicated life cover with savings features may prefer Linxea for its life focus
How Kalkulator.cz compares
8.6 vs 8.6
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8.6 vs 9.0
8.6 vs 8.7Covers health, life and gadget for households seeking health led protection
8.6 vs 9.4
8.6 vs 9.2
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8.6 vs 9.4
8.6 vs 9.4
8.6 vs 8.7Focuses on life for readers seeking dedicated life cover
8.6 vs 9.0
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8.6 vs 9.0
8.6 vs 9.0
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8.6 vs 8.2- 8.6 vs 8.0
Where Kalkulator.cz is available
- Available
- Czechia
- Licence in Czechia
- Czech National Bank, checked September 29, 2026
Countries from the brand (Source, checked September 29, 2026)
Frequently asked questions
What loan costs apply through Kalkulator.cz?+
Loans listed carry APRs of 7.36% to 10.07% on fixed rate terms, so monthly cost stays steady while offers differ by lender. The comparison charges an origination fee of 0 CZK, which keeps upfront cost free. Check each lender offer for late or early repayment terms.
Is Kalkulator.cz regulated and safe to use?+
Kalkulator.cz operates as comparison site under kalkulator.cz, s.r.o. based in Czechia. Oversight comes from the Czech National Bank. It compares offers rather than holding funds, so cover and credit terms remain with the chosen provider.
What insurance can you compare on Kalkulator.cz?+
The site compares insurance types of auto, home and travel. That mix covers everyday needs from car and motorcycle to home, travel and pet. Life, health and savings style cover are outside this range, so check specialist providers for those needs.
What borrowing options are listed?+
Loans operate as a marketplace under marketplace with loan options covering personal, car and business. Funding typically completes in 1-3 working days. Terms vary by lender, so compare APR, term length and monthly repayment before applying.
How do you get help from Kalkulator.cz?+
Support runs on email, phone and help centre. You can call for direct queries, write by email, or use the help centre for guides. Live chat is outside the listed channels, so allow time for replies around busy periods.
Who can apply for loans compared here?+
Access is aimed at adults with Czech citizenship or permanent residence, with a minimum age that can vary by lender. The illustrative example shows a loan with fixed rate over a set term with monthly payment and total cost disclosed in 1-3 working days guidance.
Sources
- kalkulator.cz checked September 29, 2026
Backs: Support channels
“info@kalkulator.cz, +420 253 253 100, Časté dotazy”
- kalkulator.cz/o-nas checked September 29, 2026
Backs: Provider type
“Nezavislý srovnavač cen energií, pojištění, financí, telekomunikací a dovolených”
- kalkulator.cz/podminky-portalu checked September 29, 2026
Backs: Licences, Headquarters, Legal entity
“Zenklova 32/28, Liben, 180 00 Praha 8”
- kalkulator.cz/pojisteni checked September 29, 2026
Backs: Insurance types
“Povinné ručení, Havarijní pojištění, Pojištění motocyklu, Pojištění domácnosti, Pojištění nemovitosti, Cestovní pojištění, Pojištění domácích mazlíčků”
- kalkulator.cz/pujcky checked September 28, 2026
Backs: APR, Eligibility, Funding time, Lender type, Loan types, Pricing model, Arrangement fee, Rate type, Representative example, Use cases
“RPSN standardni 10,07 % ... RPSN pri radnem splaceni 7,36 % ... Poskytovatel Ceska sporitelna”
Compiled from 5 source pages, checked September 29, 2026. We did not open an account.
Not confirmed yet: Premium from, Monthly payments.