PCP Car Finance Calculator
Estimate monthly PCP payments with a deposit and optional final balloon payment.
Your result
Updates as you type. Based on 2025/26 UK figures where relevant.
How this is worked out
On PCP you only pay off the difference between the amount borrowed and the balloon (GFV), plus interest on the full amount. We calculate this with the APR you enter.
Tips
- Pay off high-interest debt before saving beyond a basic emergency fund.
- Use your £20,000 ISA allowance each year where you can – it doesn't roll over.
- Check whether your savings rate beats inflation; if not, your money is losing value.
Guides for this calculator
- How to Calculate PCP Car Finance in the UK: Step-by-Step Guide
- PCP Car Finance: Common Mistakes, Tips and FAQs
More savings and loans calculators
Frequently asked questions
How does the pCP Car Finance Calculator work?
On PCP you only pay off the difference between the amount borrowed and the balloon (GFV), plus interest on the full amount. We calculate this with the APR you enter.
Are returns guaranteed?
No. Savings and investment projections are illustrations based on the rate you enter. Investments can go down as well as up.
What rate should I use for investments?
Many people test a cautious 4–5% and a more optimistic 6–7% to see a range of outcomes.
Is my savings interest taxed?
Basic-rate taxpayers have a £1,000 Personal Savings Allowance, higher-rate taxpayers £500. Interest inside an ISA is tax-free.
This calculator gives an estimate for general information. It isn't financial, tax, legal or medical advice. Check official figures on GOV.UK or NHS.uk, or speak to a qualified adviser.