Cal the Calculator Owl Mascot

Sell? Or Switch?

Cal knows cars. Cal knows numbers.
Cal the Mascot

Our Mission: Clarity in Car Finances

Empowering UK drivers with free, unbiased, data-driven advice.

Deciding whether to sell your car is one of the biggest financial choices you'll make, yet it's often clouded by guesswork, emotional attachment, and confusing advice from parties with a vested interest. We created Sell Or Switch to change that.

Our mission is simple: to demystify the complex world of car ownership costs and give every driver the tools and confidence to make smart, financially sound decisions. We believe that access to clear, data-driven insights shouldn't come at a price. That's why our calculators are, and always will be, 100% free to use.

The Story of Cal

You might be wondering, "Who is the wise owl?" That's Cal. His name is short for "Calculator," and he's the heart of our operation.

Cal was 'born' from a mountain of spreadsheets, market data, and depreciation curves. We realised that behind all the numbers was a clear story waiting to be told. Owls are symbols of wisdom, known for their ability to see clearly in the dark. That's what Cal does: he cuts through the darkness of confusing car sales tactics and shines a light on the most logical path forward.

Unlike a dealer or a car buying service, Cal's only goal is to give you an honest, unbiased recommendation based on the numbers. He has no commission to earn and no sales targets to hit. His only job is to help you make the smartest financial decision for your specific situation.

Our Calculator Methodology

Data-Driven Scoring System

Our calculator uses a weighted points system analysing 15+ factors including age, mileage, repair costs, depreciation curves, running costs, and more. Each factor is scored based on automotive industry standards and UK market data.

The 50% Rule

One of our key metrics: if your repair costs exceed 50% of your car's current value, it's typically time to sell. This industry-standard rule helps prevent "good money after bad" scenarios where you're over-investing in a depreciating asset.

Depreciation Analysis

We factor in UK vehicle depreciation patterns. New cars lose 15-35% in year one, tapering to 5-10% annually after year five. Timing your sale before major depreciation drops can save thousands.

ULEZ & Environmental Costs

For London drivers, ULEZ charges can add £3,250+ annually. We calculate whether selling your non-compliant vehicle and upgrading makes financial sense versus paying daily charges.

Running Cost Analysis

Beyond purchase price, we analyse fuel efficiency (MPG), VED (road tax), insurance premiums, and maintenance patterns. High running costs relative to car value often indicate it's time for a change.

Personalised Factors

We don't just crunch numbers—we consider your emotional attachment, life circumstances, and changing needs. A car that's financially marginal but deeply loved might still be worth keeping.

Our Three Calculators

Should I Sell?

Our flagship calculator. Answer 15 questions and get an instant, data-backed recommendation on whether to sell or keep your current vehicle.

Try it now →

When to Sell?

Timing is everything. Find the optimal month to sell based on depreciation, upcoming costs, MOT timing, and UK seasonal market patterns.

Calculate timing →

EV Switch Calculator

Considering electric? Calculate your potential savings, breakeven point, and ROI when switching from petrol/diesel to electric.

Explore EV switch →

Our Commitment to You

Important: Our calculators provide informational guidance only and do not constitute financial advice. Always consult with qualified professionals before making significant financial decisions. See our Privacy Policy & Disclaimer for full details.