Cash flow and economic cost stay separate
Loan principal is not counted twice with depreciation; interest, running costs and residual value remain visible.
Singapore household transport planningSee the cash, monthly commitment and
See the cash, monthly commitment and
long-term cost before buying a car.
Connect a car decision to the household budget, emergency reserve, property-loan TDSR headroom and investment opportunity cost. Official boundaries are dated; prices and use assumptions stay under your control.
Nine connected tools
One car decision, complete financial context
Nine connected calculators in one compact directory spanning household impact, financing, rebates, powertrain, running costs, insurance and alternative transport.Car tool 1
Car Affordability & Financial Impact
Connect purchase cash, flat-rate financing, running costs and household headroom across 5, 7 and 10 years.
Open tool →Car tool 2Total Car Ownership Cost
Separate cash flow, economic cost and opportunity value for a new, used PARF or COE-renewed car.
Open tool →Car tool 3Car Loan, Downpayment & True Interest
Compare two or three offers by cash needed, monthly burden, fees, total borrowing cost and derived EIR.
Open tool →Car tool 4COE, PARF & Depreciation
Calculate paper value, the correct rebate path and straight-line depreciation under dated Singapore rules.
Open tool →Car tool 5Car vs Public Transport & Ride-Hailing
Compare reconciled car cost with public transport and generic ride-hailing across money, time and household headroom.
Open tool →Car tool 6COE Renewal vs Replace Car
Compare five- and ten-year COE renewal, replacement and giving up the car on one dated economic-cost ledger.
Open tool →Car tool 7EV vs Hybrid vs Petrol Total Cost
Compare up to three entered powertrain scenarios by acquisition, financing, energy, road tax, resale and mileage break-even.
Open tool →Car tool 8Road Tax, Fuel & Charging Cost
Calculate ordinary-car road tax and fuel, BEV or PHEV charging costs with actual-amount modes and sensitivities.
Open tool →Car tool 9Motor Insurance NCD Claim Impact
Compare private-repair and claim-path costs using your entered NCD, premiums, excess and confirmed policy treatment.
Open tool →Calculation boundaries
Verifiable inputs and visible limits
Connected to My Financial Profile
Choose profile values field by field. A planned car remains an encrypted scenario, never a current obligation.
Uncertainty is never hidden
When transport spending or car debt may already be counted, calculators preserve a range and warning.