Driving & travel
PCP Car Finance and Lease Buy Calculator
Compare entered lease/buy costs or calculate a PCP monthly payment, final balloon and keep/return costs. This free pcp car finance and lease buy calculator shows the calculation and its assumptions so you can compare your own figures.
Your results
Compare entered lease/buy costs or calculate a PCP monthly payment, final balloon and keep/return costs.
Calculated outcomes
- Lease Total Cost
- €16,700.00
- Buy Total Cost
- €12,800.00
- Lease Monthly Equivalent
- €463.89
- Buy Monthly Equivalent
- €355.56
- Excess Km
- 9,000 km
Assumptions and estimates
- Method: Lease cost includes initial payment, entered regular monthly payments, end fees and excess mileage. Buy cost = purchase − resale + finance cost. PCP mode discounts the final balloon and amortises the remaining principal using monthly compounding. At zero interest: (price − deposit − balloon) / months.
- Months is the number of regular monthly payments. Ensure an initial rental replacing the first payment is not double counted. Excludes running-cost differences, tax treatment and discounted cash flows. PCP nominal rate is not APR; fees are cash-paid. Hand-back assumes a contractual right and entered mileage/condition charges. Replacement-car finance and early settlement are excluded.
Useful next steps
- Use Compare options to test an alternative side by side.
- Copy, print or download a record of this calculation when you need one.
Reports open your email app addressed to s@s1.ie with the public page address only. Your inputs are never added.
How the car lease, buy and pcp finance calculation works
Lease cost includes initial payment, entered regular monthly payments, end fees and excess mileage. Buy cost = purchase − resale + finance cost. PCP mode discounts the final balloon and amortises the remaining principal using monthly compounding. At zero interest: (price − deposit − balloon) / months.
Months is the number of regular monthly payments. Ensure an initial rental replacing the first payment is not double counted. Excludes running-cost differences, tax treatment and discounted cash flows. PCP nominal rate is not APR; fees are cash-paid. Hand-back assumes a contractual right and entered mileage/condition charges. Replacement-car finance and early settlement are excluded.
Using this calculator
- Enter your own figures in the labelled inputs. Keep the currencies, units and time periods consistent.
- Choose any applicable rate profile, pattern or assumption shown for this tool. Open additional inputs when relevant.
- Review buying saving and lower cost option, then read the stated assumptions and eligibility conditions before using the result.
Worked example
This is a static example using illustrative inputs, not facts about you or today’s date. The displayed eligibility selections and assumptions apply only to this example.
See example inputs
- Calculation mode
- Compare entered lease/buy payments
- Comparison months
- 36
- Purchase cash price (€)
- 30000
- Value after comparison period (€)
- 19000
- Total purchase finance interest (€)
- 1800
- Lease initial payment (€)
- 3000
- Regular monthly lease payment (€)
- 350
- Lease end fees (€)
- 200
- Annual distance (km)
- 18000
- Lease included annual distance (km)
- 15000
- Excess mileage price (€/km)
- 0.1
- Buying Saving
- €3,900.00
- Lower Cost Option
- Buy