Motoring
PCP/PCH mileage allowance calculator
Estimate your excess mileage charge when you hand the car back. See how your current mileage compares with your allowance and where you could end up at your current pace.
This is not financial advice. The figures are illustrative estimates. Actual results may differ. Read the disclaimer.
Enable JavaScript to explore the calculator. The methodology and frequently asked questions are available below.
How the estimate works
The calculator spreads your total mileage allowance evenly across the calendar days between the start and end dates. Your pace difference is the mileage you entered minus the allowance to date, rounded to the nearest mile.
It uses today’s UK date and projects your average daily mileage to the scheduled return. Monthly figures use an average month of about 30.44 days. The chart connects the start, your current reading and the projected return with straight lines.
The estimate covers one flat mileage rate at the scheduled return. Check your agreement for tiered rates, early return rules and any other charges.
Common questions
Can I use this for both PCP and PCH?
Yes. It estimates mileage when you hand a car back at the end of a Personal Contract Purchase (PCP) or Personal Contract Hire (PCH) agreement. If you plan to buy your PCP car, check your agreement for the purchase terms.
Where do I find the excess mileage rate?
Look for a pence-per-mile figure in your quote or agreement. Enter the amount including VAT. If the rate is unclear, ask your provider to confirm it.
Which mileage should I enter?
Use the miles driven since your agreement began. Subtract the mileage on the handover paperwork from the current odometer reading. If the agreement has ended, use the mileage recorded at scheduled return.