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UK PCP Car Finance Calculator — Monthly Payments & True Cost

See what a Personal Contract Purchase deal really costs. Work out your monthly payment, the optional final “balloon” payment (GMFV) and the total cost of credit — then compare PCP against Hire Purchase, a personal loan and paying cash.

Monthly payment, balloon (GMFV) and total payable, calculated instantly
Deposit, part-exchange and dealer contribution all factored in
PCP vs Hire Purchase vs personal loan vs cash — which is cheapest over the term
Settlement, equity and true cost-of-ownership tools included

This interactive calculator requires JavaScript. Please enable it to run your figures. Estimates only — not a finance quotation or financial advice. Actual Maths, a product of Asantagram Ltd.