Enter your monthly budget and cash deposit — we'll work out the max car price
You can afford
£0
maximum car price
How your price is built— total interest
Deposit —Financed —
— deposit
Monthly budget split
Interest —/moPCP —/moDepreciation paid —
Actual monthly payment
LTV cap reduces your loan — you won't spend your full budget
—
vs — budget
Max LTV (lender cap)80%
50%63%75%88%100%
LTV cap is the binding constraint — your deposit can't cover the required minimum. Max price limited to —.
£500 /mo
£50£1,300£2,550£3,800£5,000
£10,000
£0£50k£100k£150k£200k
9.9 % per year
1%7%13%19%25%
MTG ≈4.8%
LOAN ≈9.9%
48 months
6mo30mo60mo90mo120mo
PCP
Pay off the expected depreciation monthly, so only the balloon is left at the end
15 % of car's value lost
5%21%38%54%70%
PCP payment —/moDepreciation paid — over term
Logic: Max financed amount = monthly budget × 1200 ÷ APR. Max car price = cash deposit + max financed amount, capped by LTV. At 75% LTV with £10k deposit, max price = £10k ÷ 25% = £40k. The binding constraint — deposit or budget — determines the result.