Guides

Why a gross monthly sacrifice isn't the same as a take-home reduction, and how income tax, National Insurance and Benefit-in-Kind combine to set the real cost.

How salary sacrifice compares conceptually with a personal lease, PCP or buying with cash — and why the answer depends on your own numbers, not a general rule.

What a settlement figure actually is, how it differs from the balloon payment and from simply adding up what's left, and why only your lender can confirm it.

What equity means on a PCP agreement, worked examples of positive and negative equity, and why it changes over time rather than only ever improving.

Why total ownership cost — not just the price of charging or fuel — decides which is actually cheaper, with a worked example across the main cost categories.

How depreciation, insurance, purchase price and finance cost can outweigh a saving on fuel or energy — and how to check which actually applies to you.