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🚗 Car Finance Hub

17+ free UK car finance calculators. Compare PCP vs HP, check affordability, calculate depreciation, early settlement, balloon payments, negative equity, refinance & more. All tools work instantly in your browser — no signup, no email.

17+ Calculators PCP • HP • Loan UK Specific No Signup

🚗 UK Car Finance Hub – Find Your Best Deal

Buying a car is one of the biggest financial decisions you'll make. Our 17+ free calculators help you compare PCP, HP, personal loans, and leasing options. All tools work locally in your browser – no data is ever uploaded.

🔍 How to Use These Calculators

Enter your loan amount, interest rate, and term to see monthly payments instantly. Use the affordability calculator to understand how much car you can afford based on your income.

🏁 100% Free • No Signup • Private

All calculations happen on your device. No personal information is collected or stored.

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Car Loan Calculator
Calculate monthly payments, total interest, and total cost.
£0.00
Monthly Payment
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Car Affordability Calculator
How much car can you afford based on your income?
£0.00
Maximum Affordable Car
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APR & Interest Calculator
Calculate total interest and see how APR affects your payments.
£0.00
Total Interest Paid
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PCP vs HP Calculator
Compare Personal Contract Purchase vs Hire Purchase.
PCP: £0/mo • HP: £0/mo
Monthly Comparison
📅
Early Settlement Calculator
Calculate savings from paying off your car finance early.
£0.00
Interest Saved
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Balloon Payment Calculator
Calculate your final balloon payment for PCP deals.
£0.00
Balloon Payment at End
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Car Depreciation Calculator
Estimate your car's value after 1, 3, or 5 years.
£0.00
Car Value After X Years
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Fuel vs Electric Savings
Compare running costs: petrol, diesel, hybrid, electric.
£0.00
Annual Savings (Petrol → Electric)
📋
Monthly Car Budget Calculator
Total monthly cost: finance, insurance, tax, fuel, maintenance.
£0.00
Total Monthly Cost
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Trade-in Value Calculator
Estimate your current car's trade-in value.
£0.00
Estimated Trade-in Value
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HP vs PCP Detailed Comparison
Side-by-side comparison of Hire Purchase vs Personal Contract Purchase with total cost breakdown.
HP: £0/mo • PCP: £0/mo
Monthly Comparison
📈
Interest Only Calculator
Calculate interest-only payments for balloon finance options.
£0.00
Interest Only Payment (Monthly)
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Lease vs Buy Calculator
Compare leasing (PCH) vs buying (HP/PCP) costs over time.
Lease: £0 • Buy: £0
Total Cost
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Negative Equity Calculator
Calculate if you owe more than your car is worth.
£0.00
Negative Equity Amount
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Refinance Calculator
Calculate savings from refinancing your car loan at a lower rate.
£0.00
Total Savings
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Payment Holiday Calculator
See how a payment holiday affects your total interest and monthly payments.
£0.00
Extra Interest Due to Holiday
📑
Total Cost of Ownership
Calculate the complete cost of owning a car over time.
£0.00
Total Cost of Ownership
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