Calculator Blog

PCP excess mileage calculator. Are you on track?

Enter your contract details below. The tracker compares your projected mileage trend against the straight-line pace needed to finish within your allowance — and estimates any excess charges if you're running ahead.

Your details

Contract

The odometer reading when your PCP began. Usually 0 for new cars.
If set, months elapsed is calculated automatically.

Where you are now

Auto-filled if you set a start date above.

Excess mileage charge

Check your PCP agreement — it's usually between 3p and 30p per mile. Leave blank if you're not sure; you can always add it later.
Time elapsed
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Allowance used
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On-track mileage by now
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Over / under pace
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Target from now (miles/month)
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Projected overage & cost
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Assumes your driving stays roughly similar going forward. Use the "Target from now" figure as a practical guide if you want to finish within your allowance.
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Projected end mileage
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Estimated excess charge
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Mileage projection

Months 0–36
The dashed "Today" line shows your current position against the on-track pace.
Your data is saved in your browser only — nothing is sent to a server.

PCP mileage guides

Not sure how excess charges work, or wondering whether you're on track? These guides break it down.

Guide

Am I over my PCP mileage?

How to tell where you stand and what to do about it.

Read → Guide

How to calculate excess mileage charges

The formula, typical rates, and worked examples.

Read →

This tool is for informational purposes only and doesn't constitute financial advice. Always check your own agreement or speak to your finance provider for figures specific to your contract.