All Calculators

Twelve tools, one shared engine, one consistent way of showing cost.

Finance

Monthly payment, balloon, and what returning vs keeping the car really costs.

Straight ownership finance, no balloon.

Real Car Cost Calculator

Cash, PCP, HP, loan or lease — one calculator, whichever way you pay.

PCP

PCP Balloon Calculator

What paying or refinancing your final payment actually costs.

Negative Equity & Settlement

Estimate your settlement figure and any shortfall against market value.

PCP Mileage Calculator

Are you on pace for an excess mileage charge at handback?

Ownership

Lease True Cost Calculator

The real effective monthly cost of a lease, or compare several offers.

Car Depreciation Calculator

Illustrative estimate of value lost over time.

Cost Per Mile Calculator

Turn a total cost into a simple per-mile figure.

Salary & ownership decisions

Salary Sacrifice Car Calculator

The real reduction in your take-home pay from an employer car scheme — tax, NI and Benefit-in-Kind included.

PCP Settlement & Equity Calculator

Your settlement figure, equity position, and plain-English next steps.

EV vs Petrol True Cost Calculator

Total cost of ownership, electric vs petrol — not just the price per mile.