Know exactly where you stand with your PCP.
See your agreement progress, 50% VT position, equity, mileage exposure and the cost of your options — without jargon or a sales call.
Tell us about your PCP
Most figures are on your finance agreement or latest lender statement.
One agreement. Four useful checks.
Use the full checker above, or jump straight to the part of your agreement you need to understand.
VT calculator
See your 50% Total Amount Payable position and estimated shortfall.
Equity checker
Compare a lender settlement figure with your vehicle's current value.
Mileage projection
Project end mileage and estimate excess-mileage exposure.
Total PCP cost
See the full scheduled cost of the agreement and cost remaining.
Built for decisions, not just maths.
A finance calculator should tell you what the number means. My PCP Check keeps the detail available without making you understand it all at once.
Enter your real agreement
Use figures from your PCP agreement and, for equity, a current settlement figure supplied by your lender.
See the few numbers that matter
Agreement progress, VT threshold, equity and mileage are surfaced first. Detailed figures stay secondary.
Compare your routes
Understand what settling, continuing, keeping or returning could mean before you speak to a lender or dealer.
Learn before you decide.
Plain-English guides to the questions that usually appear halfway through a PCP agreement.
Can I end PCP early?
Understand settlement, sale and voluntary termination as separate routes.
Negative equity explained
Why it happens and what it means when you want to change cars.
What happens at PCP end?
Keep it, return it or change it: the basic end-of-agreement choices.
Excess mileage
How mileage allowances and pence-per-mile charges fit into PCP returns.
Built to explain your agreement, not sell you another one
My PCP Check is independent of lenders, dealers and claims companies. For equity we use the settlement figure you obtain from your lender; for VT we prefer the contractual 50% figure printed in your agreement. Estimates are labelled as estimates.
Current lender figures
We do not pretend to calculate an official settlement quotation.
Clear assumptions
See exactly how VT, equity, mileage and remaining-cost figures are treated.
UK sources
Our methodology is informed by MoneyHelper and FCA information, with your own agreement controlling contract-specific details.