PetrolCalculator

Finance calculator

Lease vs PCP Calculator

Compare the cash commitments you enter for a lease and PCP agreement.

Use this calculator

Lease commitment

PCP cash commitment

Enter the payment commitments shown in each agreement.

What your result means

This compares entered cash commitments and does not declare either agreement better.

Worked example

The figures below are illustrative editable assumptions.

Lease
Initial rental + monthly rentals + fees
PCP
Deposit + monthly payments + fees

The calculator uses the same method with your inputs.

Formula

PCP total=Deposit+Monthly payments+Fees+Final payment\text{PCP total}=\text{Deposit}+\text{Monthly payments}+\text{Fees}+\text{Final payment}

Final-payment sensitivity

Final paymentPCP total
£0No final payment included
Higher amountHigher PCP total if exercised

Using the result

Use like-for-like assumptions and update the inputs when your mileage, prices or agreement changes.

This estimate supports planning; it does not replace a quote, agreement or vehicle valuation.

Practical guidance

Compare the result alongside your own mileage and cashflow needs.

Check the underlying agreement or supplier terms before making a decision.

Assumptions and limitations

  • Lease normally does not transfer ownership.
  • PCP may result in ownership if the final payment is exercised.
  • Mileage, condition and maintenance terms vary.

Helpful questions

What does the Lease vs PCP Calculator calculate?

It calculates the entered assumptions using the method shown above.

Are example values current prices or quotes?

No. They are illustrative, editable values only.

Can I change the assumptions?

Yes. Use figures that reflect your vehicle, agreement or travel pattern.

Does the result predict the future?

No. Prices, efficiency, values and agreement terms can change.

What is excluded?

Read the assumptions before relying on the estimate for a decision. You can also use the Annual Car Mileage Calculator, Car Running Cost Calculator and Total Cost of Ownership Calculator for related planning inputs.

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