What's your car really costing you?
The monthly payment is only part of the picture. Compare PCP, HP, leasing and cash — including deposits, balloon payments, depreciation and running costs.
Illustrative example — same £27,000 car
£19,923
PCP
£18,424
Lease
£18,072
HP
£12,906
Cash
Lowest true cost
Cash · £12,906
Assumption
Assumes 15%/yr depreciation over 48mo. Actual vehicle values vary.
See the full picture, not just the monthly payment.
Compare all options
PCP, HP, lease, cash and loan.
Understand the real cost
Deposits, interest, balloons, depreciation and running costs.
Make better decisions
See where your money actually goes before you commit.
Independent calculations
The result comes before any commercial offer.
Popular calculators
View all →Compare how you pay
PCP, HP, leasing and cash — side by side, on the same basis.
Coming soon
Deal Decoder
Upload a dealer quote and we'll extract the figures for you to check, then run them through the same calculators — no more working it out from a PDF by hand.
Independent calculations
Clear maths before any commercial offer
Transparent methodology
See how every figure is calculated
Updated regularly
Rates and rules reviewed as they change
UK focused
Designed around UK motoring and finance