New Car Gate
A high-level check on whether changing your car is appropriate right now, based on stability, constraints, and timing.
Vehicle decision engines
This site contains a set of independent, deterministic decision engines.
Each one answers a single, specific question about vehicle changes, existing finance,
or electric vehicle viability.
These tools are designed to be neutral and conservative. They do not recommend products,
estimate savings, or encourage action. You can use any engine on its own.
PCP Decision
A structured way to reason about an existing PCP agreement, including whether keeping, exiting, or pausing is most appropriate.
Balloon Decision
A follow-on check for situations where a balloon payment is approaching, focusing on viable ways to handle that obligation.
Sell Route
A neutral comparison of different ways to sell or exit a vehicle, highlighting trade-offs rather than maximising value claims.
EV Gate
A practical viability check for electric vehicles, covering charging access, usage patterns, and constraints that often get overlooked.
EV Funding Route
A final-stage tool that outlines compatible funding structures for EVs, without suggesting deals or estimating costs.