Car Finance Calculator
Understand what you're actually committing to
Car finance is often the second-largest monthly commitment after housing — and one of the most opaque. HP and PCP look similar on the surface but work very differently. This tool shows you both side by side, the true total cost, and what you actually own (and when) under each option.
Finance Details
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£
Monthly Payment
£0
Total Cost of Finance
£0
£0Total Interest
£0Daily Cost of Finance
HP vs PCP — Side by Side
—HP Monthly Payment
—PCP Monthly Payment
—HP Total Cost (own outright)
—PCP Total Cost (+ balloon)
💡HP costs more per month but you own the car. PCP costs less per month but you don't own it without paying the balloon.