Personal Contract Purchase (PCP) is one of the most popular ways to finance a car. With flexible monthly payments and a range of end-of-contract options, it’s ideal for anyone looking to drive the latest models without committing to full ownership upfront.

But understanding the finer details of PCP agreements—such as balloon payments, interest rates, and mileage restrictions—can be challenging. That’s where PCPCalc.com comes in.

We offer specialized tools tailored to your needs, making it easier to evaluate your car financing options. Choose from our three featured calculators:

PCP Finance Calculator
Estimate your monthly payments based on your deposit, interest rate, and contract terms.

Amortisation Schedule Calculator
Don’t understand the breakdown between the interest and principal of your repayments? Use our amortisation calculator to calculate this. This is key to understanding the depreciation of your car according to your finance agreement!

Nominal Interest Calculator
Most PCP finance agreements provide you with the APR (Annual Percentage Rate) of your loan. This can be misleading to understanding the your PCP agreement. Visit our Annual Interest Calculator to discover your actual annual interest rate when you have only been provided with the Annual Percentage Rate.

Using our calculators is simple:

1. Select the tool you need.
2. Enter basic details like the car price, deposit, and contract term.
3. Instantly view your estimated monthly payments or other results.

Accuracy You Can Trust: Our tools have been tested against PCP agreements.
User-Friendly Design: Simple interfaces for quick, hassle-free calculations.
Independent and Always Free: No hidden fees or costs—just transparent, helpful tools.