Cash, Auto Loan, PCP, or PCH
The real cost of your car, finally clear
Price, mileage, term: AutoClair works out in seconds the real cost of paying cash, an auto loan, a PCP, and a PCH — payment, maintenance, energy, insurance, and depreciation included. All four options are shown side by side, on the same basis, so you can compare without a spreadsheet or calculator, and choose with full confidence.
Real cost
Payment, maintenance, energy, insurance, and depreciation
Your usage
Mileage and term factored in
4 options
Cash, auto loan, PCP, PCH
Real cost, monthlyNet cost (depreciation deducted) spread over each month. Used to compare options — it's not what you actually pay out of pocket each month, see "Monthly cash outlay" below.
£580 /mo
£28,000 over 4 yrs
£0.93/mi · vehicle kept
- Monthly cash outlayWhat actually leaves your pocket each month, not counting a future resale of the vehicle.
- £120/mo
- Total paid outAll expenses over the period, before deducting the residual value.
- £41,000
- Residual valueEstimated resale value, deducted from the total cost.
- − £13,000
insurance, maintenance, energy : £120
Over 4 yrs
What makes up the total cost (TCO) of each option
Each bar adds up every expense, then subtracts the value of the vehicle you still hold.
Click a bar to see the calculation in detail.
Cost breakdown
Average cost per mile
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Note: results are educational estimates based on the inputs you enter and indicative market benchmarks. They don't replace a real financing offer, a lease quote, or personalized advice.