PCP Excess Mileage Calculator & Charge Estimator

Contract

Total allowance (miles)

Contract length (months)

Start mileage

Odometer reading when the agreement began.

Contract start date (optional)

Automatically calculates elapsed whole calendar months.

Where you are now

Current odometer (miles)

Months elapsed

Enter manually, or set the start date above.

Excess mileage charge

Charge rate (pence per mile)

Use the rate in your agreement. Leave blank if unknown.

Reset example

Clear saved data

Inputs are saved only in this browser.

Check whether your PCP mileage is on track

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 are running ahead.

Time elapsed25% (9 of 36 months)

25%

Allowance used60% (18,000 of 30,000 mi)

60%

Estimated charge at contract end

42,000 projected excess miles

Add rate

Projected end mileage: 72,000
Target end mileage: 30,000 mi
Target from now: 444 mi/mo
On-track mileage by now: 7,500 mi
Over / under pace now: +10,500 mi
Current average pace: 2,000 mi/mo
Projected over / under allowance: +42,000 mi
Pace-based excess charge as of now*: Add rate

≈ 102 mi/week · 15 mi/day

*This compares mileage used with the straight-line allowance earned by this point. It is a monitoring estimate, not a charge currently owed or a lender return quote.

Warning: On-track now is about 7,500 miles. At the current average pace, projected end mileage is 72,000 against a target of 30,000.

Mileage projection

Your pace (projected)On-track allowance

Chart timeframe

The estimated contract-end charge is projected excess miles multiplied by the entered pence-per-mile rate. It assumes your average driving continues. Check your signed agreement for the allowance, charge rate, VAT, charge bands and return conditions. Excess-mileage charges usually matter when the vehicle is returned; the position may differ if you make the optional final payment and keep it. This is not financial advice or a lender settlement figure.

How does this PCP excess mileage calculator work?

Enter the total mileage allowance and contract length from your personal contract purchase (PCP) agreement, plus the odometer reading when the finance began and where you are now. The calculator compares the miles you have used with the straight-line allowance you should have earned by this point, then projects your end-of-contract mileage if you keep driving at the same average pace.

If you add the excess-mileage rate from your agreement (in pence per mile), it also estimates the charge you could face if you hand the car back over the limit. Typical UK PCP excess rates often sit around 5p–15p per mile, but you should always use the figure in your contract.

How is the excess mileage charge estimated?

The estimated contract-end charge is projected excess miles multiplied by the pence-per-mile rate you enter. For example, 2,000 extra miles at 10p per mile is £200. The projection assumes your current average monthly mileage continues for the rest of the term.

The “pace-based excess charge as of now” figure is a monitoring estimate only: it compares mileage already used with the allowance earned to date. It is not an amount currently owed, and it is not a lender return or settlement quote.

What the results mean

Time elapsed vs allowance used — if mileage used is running ahead of time elapsed, you are above the on-track pace.
Target from now — the average miles per month (and roughly per week and day) that would still land you on the contracted allowance.
Projected end mileage — where the odometer is heading if you keep driving at your current average.
Estimated charge — projected excess miles multiplied by your agreement rate, if you entered one.

Excess-mileage charges usually apply if you return the car at the end of the agreement. If you pay the optional final (balloon) payment and keep the car, the position is typically different. Check your signed agreement for the allowance, charge rate, VAT, charge bands and return conditions. For a fuller explainer, see our guide to PCP mileage limits.

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