Car PCH (Leasing) Calculator
Work out the total cost of a Personal Contract Hire lease — the upfront initial rental, the remaining monthly payments and the admin fee, all added up.
Estimate only. This is an estimate — figures are based on a representative monthly rental and do not constitute a leasing offer. Always check the exact rental, initial payment, mileage allowance and terms in your lease agreement before signing.
Enter your lease details
Your upfront payment, remaining rentals and total lease cost appear here as you type.
How PCH (leasing) is calculated
Personal Contract Hire (PCH) is a lease, not a finance agreement — you're paying to use the car for a fixed term, and you never own it. Most deals are quoted as an "initial rental" of several months paid upfront at signing (commonly 9 months' worth, shown as "9+35" for a 44-month deal split into a 9-month upfront payment plus 35 further monthly rentals), followed by equal monthly rentals for the rest of the term, plus a one-off admin fee. Because there's no ownership and no balloon payment, PCH monthly payments are often the lowest of the three main car finance routes — but mileage limits and end-of-lease condition charges can add extra cost.