Sell your car for what it's really worth Sell my car
Buying
Selling
Buying
Selling
Messages
Notifications
Log in

Car PCP calculator

Estimate your monthly PCP payment with our handy calculator

Amount to be financed
This is automatically calculated using the information above.= This is automatically calculated using the information above.
£0
Length of finance
You choose the length of your PCP finance agreement, usually between 2 years (24 months) and four years (48 months).
Mileage agreement
The maximum mileage is agreed up front, typically around 10,000 miles per year. There is usually a penalty charge for going over the agreed mileage. State your annual mileage here.
APR %
PCP finance is a credit agreement and so comes with an Annual Percentage Rate of interest which is the charge for borrowing money. A lower APR means you pay less in interest across the PCP agreement.
Estimated monthly payment
£0
PCP Explained

Personal Contract Purchase or ‘PCP’ is the most popular form of finance for new car buyers, but it can be tricky to understand. Our calculator will help you get to grips with how PCP finance works. Simply enter your numbers to get an idea of what your monthly PCP finance payment could look like.

Remember, this is just an estimate based on the figures you enter. Please check the ‘Final Payment’ information with the dealer - but as a guide, around 45% - 55% of the RRP Price is typical.

If you want to learn more about the different types of car finance available check out our guide to car finance.

Get a personalised PCP quote

Use Carwow to find great deals on your next car and get personalised PCP quotes directly from dealers

Common questions

Is this a finance offer?

No - Carwow is not a lender, and this calculator is designed to help make PCP finance clearer and provide an indication of the price you could pay per month via PCP finance. Why not build your car via Carwow, and then contact your preferred dealer for a bespoke quote? Finance as always is subject to status and the relevant terms and conditions.

Are there any other costs involved with PCP?

If you choose to return the car at the end of the agreement it should be well maintained and in good condition. Before ordering, discuss the applicable return standards with the dealer so you’re clear on what’s expected. If you choose to keep the car and pay the optional final payment, an ‘Option to Purchase’ fee may apply to transfer the ownership to your name. This is typically a small fee of around £10.

Further reading