United Kingdom · 8 tools

Car & Transport calculators

Finance is one line; fuel, insurance and depreciation are the rest of the ownership cost.

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Start here, then explore the groups below.

Car LoanCalculate UK car finance and loan repayments, total interest, and borrowing cost. Compare deposits, APRs, and terms before you apply.Car & Transport Car Finance ComparisonCompare illustrative UK HP-style and PCP-style monthly payments and total cost to own using the price, deposit, APR, term, fees and optional final payment you enter.Car & Transport Car DepreciationCalculate how much your car will depreciate over time. See future value and total loss.Car & Transport Fuel CostCalculate annual fuel costs based on your mileage, MPG, and fuel price per litre.Car & Transport

Compare the monthly finance with the cost of actually running it

A car loan payment is only one line. Fuel or charging, insurance, depreciation and tax sit on top. Compare two cars on the same annual mileage and the same ownership period.

Hold mileage and ownership years constant across the cars you compare.
Add fuel or charging to the finance payment before you judge “affordable”.
Check depreciation and insurance as a second pass — they often dwarf a small rate difference.

Payment versus ownership cost

Car calculators let you compare the true cost of one vehicle against another, or against a different fuel type, across the entire period you'll own it — not just the sticker price on the forecourt. The gap between the two is usually where people overpay.

The headline cost everyone talks about is the monthly loan payment. The cost that actually drains your bank balance is everything else: depreciation (typically the biggest single cost), fuel or charging, tax, insurance, servicing, and inevitable repairs. This hub includes tools for each layer — so you can stack them and see the real total.

The Electric vs Petrol comparison is where many buyers start right now. EVs have higher purchase prices but dramatically lower fuel and servicing costs; over 5-7 years the totals often swap, but it depends heavily on home charging access, annual mileage, and electricity vs fuel prices in your area. Run both sides through the tools with realistic numbers rather than best-case scenarios.

Start with Car Running Cost to get the whole-ownership picture, Car Loan for the monthly finance payment, and Depreciation to understand how much value you lose per year. For EV buyers, pair EV Charging Cost with Fuel Cost to build the comparison yourself rather than relying on manufacturer marketing figures.