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.
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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.
Am I on track to go over my PCP mileage allowance? Say your agreement allows 24,000 miles and you’ve driven 13,500 miles since handover with exactly half the agreement’s days gone. That puts you 1,500 miles above the 12,000-mile allowance to date.
If you keep driving at the same pace, you’d hand the car back at 27,000 miles driven, 3,000 miles over the allowance. At an illustrative rate of 12p per excess mile including VAT, the estimated charge would be £360.
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.