Car Finance Calculators UK 2026
Whether you're comparing PCP against HP, working out if an EV salary sacrifice scheme makes financial sense on your salary, or calculating the true cost of owning a car versus leasing, these calculators give you the numbers. All calculations use 2026/27 HMRC rates and DVLA VED bands. No registration required.
Financing Mechanics
Car Loan Calculator
Monthly payment and total cost for a personal car loan or HP agreement.
PCP Calculator
PCP monthly payment, total cost of credit, and optional final payment.
HP Car Finance Calculator
Hire purchase monthly payment and total interest over the loan term.
PCH Lease Calculator
Personal contract hire total cost and effective monthly rental.
Total Cost of Credit
Calculate the total amount repayable and total interest on any finance deal.
APR Calculator
Work out the true APR from a loan amount, monthly payment, and term.
Flat Rate to APR Converter
Convert a flat interest rate to its equivalent APR using actuarial methods.
Balloon Payment Calculator
Monthly payments with a deferred balloon payment at the end of the term.
PCP Optional Final Payment
Estimate the PCP optional final payment and whether it makes sense to pay it.
Car Finance Deposit Calculator
See how different deposit sizes affect your monthly payment and total interest.
Part Exchange Value Calculator
Calculate equity or negative equity when part-exchanging your current car.
Negative Equity Calculator
Find out how much negative equity you have and what it means for refinancing.
Early Settlement Calculator
Estimate your car finance settlement figure including the CCA rebate.
Settlement vs Refinance
Compare the cost of settling now versus refinancing at a lower rate.
Scheme Comparisons
PCP vs HP
Side-by-side comparison of PCP and HP monthly costs and total outlay.
PCP vs PCH Comparison
Compare personal contract purchase against personal contract hire.
HP vs Buying Outright
Is HP finance cheaper than buying a car outright? Full cost comparison.
Leasing vs Buying a Car
Compare personal lease (PCH) against outright purchase over 3–5 years.
PCP vs Buying Outright
PCP vs cash purchase — total cost over the ownership period.
PCP vs HP vs PCH vs Outright
Full four-way comparison of every mainstream car finance route.
Salary Sacrifice vs Buying Outright
Net cost of salary sacrifice EV vs buying a car outright.
Salary Sacrifice vs PCP
Compare salary sacrifice scheme cost against a personal PCP deal.
Salary Sacrifice vs PCH
EV salary sacrifice versus personal lease — which is cheaper after tax?
Tax & Salary Sacrifice
EV Salary Sacrifice Calculator
Net monthly cost of an EV on salary sacrifice after income tax, NI, and BIK.
Salary Sacrifice Tax Saving
Total annual tax saving from a salary sacrifice car scheme.
Company Car BIK Tax Calculator
2026/27 benefit-in-kind tax for any company car by CO2 band and tax rate.
P11D Value Calculator
Estimate the P11D value of a company car and resulting taxable benefit.
Employer NI Saving
Employer National Insurance saving from a salary sacrifice car scheme.
Net Cost After Tax Relief
True net cost of a car after income tax and NI relief on salary sacrifice.
Salary Sacrifice Affordability
Maximum salary sacrifice lease you can afford on your salary.
EV vs Petrol — Salary Sacrifice
Compare the salary sacrifice cost of an EV against a petrol equivalent.
Ownership Costs
True Cost of Ownership
Total cost of owning a car over 1–5 years: depreciation, fuel, finance, insurance.
Car Depreciation Calculator
Residual value and annual depreciation schedule for any vehicle type.
Annual Fuel Cost Calculator
Annual petrol or diesel cost based on your mileage and MPG.
EV Charging Cost Calculator
Annual EV charging cost split between home and public charging.
EV vs Petrol Running Costs
Annual running cost comparison: electric vehicle versus petrol equivalent.
Car Insurance Cost Estimator
Estimate annual insurance cost by vehicle insurance group.
VED Road Tax Calculator
2026/27 VED road tax by CO2 band, including premium supplement.
Car Servicing Cost Calculator
Estimate annual servicing and maintenance costs by vehicle type.
Tyre Replacement Cost
Annual tyre cost based on your mileage, tyre grade, and vehicle type.
Monthly Ownership Cost
All-in monthly car ownership cost including finance, fuel, insurance, and tax.
EV Calculators
Home vs Public Charging Cost
Compare the annual cost of charging at home versus using public chargers.
EV Charging Cost Per Mile
Pence-per-mile cost of running an electric vehicle.
EV Real-World Range Calculator
Estimate real-world range accounting for speed, temperature, and load.
EV Grant Checker
Check what EV grants are still available in the UK — WAV and van grants only.
EV Charger Installation Cost
Estimate home EV charger installation cost including OZEV grant eligibility.
EV vs Petrol Breakeven
How many years before an EV's running cost savings offset its higher purchase price.
EV Battery Lease vs Included
Compare cars with battery lease versus battery included — total cost over ownership.
Budgeting
Car Affordability — Monthly Budget
Maximum vehicle price based on your monthly budget and deposit.
How Much Car Can I Afford?
Total vehicle budget based on income, deposit, and desired monthly payment.
Loan Term vs Monthly Payment
See how changing the loan term affects your monthly payment and total interest.
Deposit Size Impact
Monthly payment and interest saving at different deposit percentages.
HP Overpayment Calculator
Interest saved and time reduction from making overpayments on HP finance.
PCP Extra Payment Impact
Effect of lump sum extra payments on a PCP agreement.
Refinancing
Car Finance Refinance Savings
Monthly saving and total interest saving from refinancing at a lower rate.
Voluntary Termination (VT) Calculator
Check VT eligibility under the Consumer Credit Act and calculate any shortfall.
Early Repayment Charge
Calculate any early repayment charge and whether settling early makes sense.
Refinance Break-Even Calculator
How many months before refinancing savings cover the settlement cost.
Business & Company Car
Company Car Tax Calculator 2026/27
Employee BIK tax liability on a company car — 2026/27 HMRC rates.
Company Car vs Car Allowance
Net cost comparison: company car versus taking a cash car allowance.
VAT Reclaim on Car Lease
VAT reclaimable on business car lease payments (50% block for mixed use).
Capital Allowances on Company Car
First-year allowances and writing-down allowances on a company car purchase.
Fleet Car Cost Calculator
Total annual fleet cost per vehicle including NI, BIK, and running costs.