Index
All Car Finance Calculators
Every car finance calculator on the site, in one place. Each one is free, independent and shows the monthly payment and the total amount payable — the true cost. Pick the tool that matches where you are.
IndependentWe sell no financeNo commissionMaths based on FCA rules & the Consumer Credit Act 1974
Compare & core
- 01HomeWork out your monthly payments and the true total cost of any car finance deal. Compare PCP, HP and a personal loan side by side — free, independent, no sign-up.
- 02PCP CalculatorWork out PCP monthly payments, the optional final payment (the balloon/GMFV) and the true total cost. See how PCP compares with HP — plain English, free.
- 03HP CalculatorWork out Hire Purchase monthly payments and total cost, with no balloon to worry about. See how HP compares with PCP and when it's cheaper — free, independent.
- 04Leasing CalculatorEstimate the monthly cost of leasing a car on PCH and what you'll pay overall. See how leasing compares with PCP when you never own the car — free, plain English.
- 05Loan CalculatorWork out personal car loan repayments and total interest, and see when a loan beats PCP or HP. Understand owning the car outright from day one — free, independent.
- 06APR CalculatorSee exactly how APR turns into pounds. Work out the total interest on a car finance deal and why a low monthly can cost far more. Free True Cost calculator.
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Borrowing & deposit
- 07EligibilityEstimate how much car finance you could borrow and what affects acceptance. Understand credit checks and affordability before you apply — free, no credit impact.
- 08Business CalculatorWork out monthly costs for financing a car through your business, including contract purchase and hire. Compare options and total cost — free and independent.
- 09Car Finance DepositSee how your deposit changes the monthly payment and total cost of car finance. Work out the right deposit for PCP, HP or a loan — free and independent.
- 10Car AffordabilityWork out how much car you can afford from a monthly budget, with no credit check. See the car price, total cost and interest your budget really buys — free.
- 11Balloon PaymentWork out the balloon payment (GMFV) on a PCP and how it changes your monthly cost and the total to own the car. Plain-English, free and independent.
Managing & exiting
- 12Settlement CalculatorWork out your early settlement figure and what it costs to pay off car finance early. Understand the interest rebate, overpayments and voluntary termination — free.
- 13Overpayment CalculatorSee how overpaying your car finance cuts the interest and shortens the term. Work out the saving before you overpay — free, plain English, independent.
- 14Negative Equity CalculatorFind out if you're in negative equity on your car finance and by how much. See your options to get out — settle, sell or part-exchange — free and independent.
- 15Part-ExchangeWork out the equity in a car you still owe finance on before you part-exchange. See if you're in positive or negative equity — free and independent.
- 16Car Finance RefinanceSee whether refinancing your car finance at a lower rate saves money. Compare your current deal with a new one on monthly cost and total interest — free.
- 17Total Cost of Car OwnershipWork out the true total cost of owning a car — finance, fuel, insurance, tax and servicing. See the real monthly and yearly figure, free and independent.
- 18Voluntary Termination 50%Work out the 50% point on your PCP or HP — the figure you must reach to hand the car back under voluntary termination (CCA 1974). Free and independent.
By vehicle & extras
- 19Used Car FinanceWork out monthly payments and total cost on used car finance for PCP, HP or a loan. See the true cost before you buy — free, independent, no sign-up.
- 20New Car FinanceWork out monthly payments and total cost on new car finance, including the PCP balloon. Compare PCP, HP and a loan on a new car — free and independent.
- 21Electric Car FinanceWork out monthly payments and total cost on electric car finance for PCP, HP or a loan. See the true cost of financing an EV — free and independent.
- 22Van FinanceWork out monthly payments and total cost on van finance, with a business VAT toggle. Compare HP and contract purchase on a van — free and independent.
- 23Motorbike FinanceWork out monthly payments and total cost on motorbike finance for PCP, HP or a loan. See the true cost before you buy a bike — free and independent.
- 24GAP Insurance CostWork out the shortfall GAP insurance would cover if your financed car is written off, and weigh the policy cost against the risk. Free and independent.
- 25Flat Rate to APR ConverterConvert a flat interest rate into a representative APR so you can compare car finance deals fairly. See why a flat rate looks cheaper than it is — free.