Audi PCP Calculator – Estimate Your Monthly Audi Finance Payments in Ireland
Buying a new Audi in Ireland through PCP (Personal Contract Plan) has become one of the most popular ways to finance a car. Our free Audi PCP Calculator makes it easy to estimate your monthly repayments, GMFV/balloon amount, deposit, interest charges and the overall cost of Audi PCP finance — all within seconds.
Whether you’re considering an Audi A3, A4, A6, Q2, Q3, Q5 or any other model, this calculator helps you understand what your Audi will cost per month before you sign any finance agreement.
For more handy budgeting tools and repayment estimators, check out our full collection of financial planning calculators on CalcIreland.
What Is a PCP Finance Plan for Audi?
A PCP (Personal Contract Plan) is a type of car finance widely offered by Audi Ireland. It allows you to drive a new Audi with:
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A small upfront deposit
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Fixed monthly repayments
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A large GMFV / balloon payment at the end
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A choice to keep, return or upgrade the car after the term
PCP is often cheaper month-to-month than a traditional loan because you are only financing part of the car’s value — not the entire amount.
You can also go through - Audi Finance Calculator
What Does the Audi PCP Calculator Do?
This tool lets you estimate:
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Audi PCP monthly repayments
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Deposit amount based on %
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Cost of finance (interest)
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GMFV / balloon payment
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Amount borrowed
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Total cost of Audi PCP finance in Ireland
It works for all Audi models, including:
A1, A3, A4, A5, A6, A7, A8, Q2, Q3, Q4 e-tron, Q5, Q7, Q8, e-tron, RS models and more.
This makes budgeting easier before you visit an Audi dealership.
How to Use the Audi PCP Calculator
Using the calculator is quick and simple:
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Enter the Audi car price
Example: €35,000 for an Audi A3. -
Choose your deposit percentage
Most Audi PCP deposits range between 10–30%. -
Enter the Balloon Payment (GMFV)
This is the guaranteed minimum future value set by Audi Ireland. -
Enter the APR (Annual Percentage Rate)
APR varies depending on Audi finance offers. -
Select your term
Usually 36 or 48 months. -
Click Calculate
You will instantly see:
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Your monthly repayment
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Total payable
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Deposit amount
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Financed amount
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Balloon payment due at the end
Perfect for comparing Audi models, trims and finance offers.
How the Audi PCP Calculator Works
Our Audi PCP finance calculator uses the same formula used by banks and dealerships across Ireland.
The calculation includes:
1. Deposit Calculation
Deposit = % of the car price
Example: 10% of €35,000 = €3,500
2. Amount Financed
Car Price – Deposit – GMFV
This is the portion you repay monthly.
3. Monthly Repayment Formula
The calculator uses a PCP amortisation formula based on:
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Monthly interest rate
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Term (36 or 48 months)
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Amount financed
This gives the real monthly repayment amount.
4. Total Cost of Finance
Monthly Payments × Term + Deposit + GMFV
This helps you understand the true overall cost of Audi PCP.
Why Use Our Audi PCP Calculator?
✔ Accurate and Ireland-specific
Designed specifically for Audi PCP finance in Ireland, using Irish APR ranges and PCP structures.
✔ Instant monthly repayments
No need to guess — see what your Audi will cost per month before applying for finance.
✔ Compare Audi models
Check the affordability of:
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Audi A3 vs A4
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Audi Q3 vs Q5
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Petrol vs diesel vs hybrid vs e-tron
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Standard vs S-Line vs Technik trims
✔ Clear breakdown of all costs
You get transparency on:
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Deposit
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Balloon amount
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Interest
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Borrowed amount
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Total finance cost
✔ Plan your budget better
Know exactly what you can afford before visiting the Audi showroom.
✔ Completely free
No signup, no ads, no dealer pressure — just honest numbers.
Benefits of Using a PCP Calculator Before Buying an Audi
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Helps you avoid overspending
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Gives clarity on monthly commitments
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Lets you compare PCP vs HP vs bank loans
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Helps negotiate better with dealers
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Gives insight into balloon payment size
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Makes choosing the right Audi model easier
Who Should Use This Audi PCP Calculator?
This calculator is ideal for:
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Anyone planning to buy a new or nearly-new Audi
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First-time car buyers wanting cost clarity
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Drivers comparing Audi PCP vs bank finance
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People checking Audi 0% APR or special offers
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Those upgrading from an existing PCP agreement
🟦 FAQs – Audi PCP Calculator
1. What is PCP finance for Audi?
PCP (Personal Contract Plan) is a car finance method where you pay a deposit, monthly instalments and a final GMFV/balloon payment if you choose to keep the Audi at the end of the term.
2. How does Audi calculate monthly PCP payments?
Audi PCP monthly payments are based on the deposit, APR, contract term and the Guaranteed Minimum Future Value (GMFV). Our calculator uses the same formula.
3. What is the balloon payment on an Audi PCP?
The balloon (GMFV) is the final payment you must make if you want to buy the car outright at the end of the PCP agreement.
4. Can I change the deposit in the calculator?
Yes, you can adjust your deposit percentage (10–30% is typical for Audi Ireland) to change monthly repayments.
5. Is Audi PCP cheaper than a car loan?
PCP usually has lower monthly repayments compared to standard loans because you are only financing part of the car’s value.