Cars

Car Affordability & Financial Impact Calculator

Enter a car price, financing terms, resale assumptions and your household position. The calculator separates cash flow from economic cost, checks official motor-loan boundaries, shows property-loan TDSR context and preserves uncertain double-counting as a range—without predicting approval or recommending a vehicle.

✓ Results shown free✓ Dated source references✓ General information only

MAS · LTA · MoneySense · data.gov.sg · methodology v1.1.0 · checked 5 Sep 2026

All car prices, residual values and running costs are yours. Official values are limited to dated financing, tax, rebate and TDSR boundaries.

Profile reuse is opt-in per field. Planned purchase values are never proposed as current transport obligations.

Input sourceProvided by youUsing from My Financial ProfileOfficial dated ruleCalculated estimate

1Car and financing

Set cash needed now and validate the selected loan against the MAS OMV boundary.

Scenario name (optional)Provided by youPurchase priceS$Provided by youOpen Market Value (OMV)S$Provided by youMAS: up to 70% LTV at OMV ≤ S$20,000; up to 60% above S$20,000.Selected loan amountS$Provided by youAdvertised flat rate% p.a.Provided by youFlat interest uses the original principal. The result also shows an approximate effective annual rate.Loan tenureyearsProvided by youUpfront feesS$Provided by youAccessories paid nowS$Provided by youConfirmed trade-in / sale proceedsS$Provided by you

2Residual assumptions

Enter your own resale values. They are assumptions—not an official price forecast.

Estimated value after 5 yearsS$Provided by youEstimated value after 7 yearsS$Provided by youEstimated value after 10 yearsS$Provided by youApplicable PARF rule regimeOfficial dated ruleChoose the applicable COE exercise or non-COE registration regime; purchase date alone is not used to infer it.

3Running costs

Use amounts relevant to your expected mileage and use pattern.

Annual distancekm/yearProvided by youFuel or chargingS$Provided by youParkingS$Provided by youERPS$Provided by youMotor insuranceS$Provided by youRoad taxS$Provided by youMaintenanceS$Provided by youTyres and inspectionsS$Provided by youRunning-cost contingencyS$Provided by you

4Household impact

Make double-counting choices explicit before reading the surplus and TDSR context.

Gross household incomeS$Provided by youTake-home household incomeS$Provided by youEssential household spendingS$Provided by youDiscretionary household spendingS$Provided by youMortgage paymentS$Provided by youMortgage already included in household spending?Provided by youChoose ‘Not sure’ to preserve both arithmetic outcomes instead of hiding an assumption.Other monthly debt paymentsS$Provided by youOther debt already included in household spending?Provided by youChoose ‘Not sure’ to preserve both arithmetic outcomes instead of hiding an assumption.Current monthly transport spendingS$Provided by youCurrent transport already in household spending?Provided by youChoose ‘Not sure’ to preserve both arithmetic outcomes instead of hiding an assumption.Selected car loan already in other debt payments?Provided by youChoose ‘Not sure’ to preserve both arithmetic outcomes instead of hiding an assumption.Liquid cash availableS$Provided by youCash to keep as emergency reserveS$Provided by you

5Thresholds and sensitivity

These settings are visible and controlled by you.

Your comfortable monthly bufferS$Provided by youMortgage context rate% p.a.Provided by youUsed only to translate monthly TDSR headroom into estimated mortgage-principal context.Mortgage context tenureyearsProvided by youUsed only to translate monthly TDSR headroom into estimated mortgage-principal context.Opportunity-cost return assumption% p.a.Provided by youCost sensitivity% p.a.Provided by youTransport review date (optional)Provided by you

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Official references and data statePackaged release-controlled rules

Release-controlled reference for the nine Car & Transport Cost tools. It covers dated financing, tax, rebate, road-tax, energy, transport-fare and motor-insurance guidance verified through 11 September 2026; each rule applies only to the vehicle and period stated.

MAS — Motor Vehicle LoansMonetary Authority of Singapore · 2026-09-05
MoneySense — Flat Rate, Monthly Rest and Effective Interest RateMoneySense / Monetary Authority of Singapore · 2026-09-05
MoneySense — Buying a Property: How Much Can You Afford?MoneySense / Monetary Authority of Singapore · 2026-09-05
OneMotoring — Vehicle Tax StructureLand Transport Authority · 2026-09-11
OneMotoring — PARF/COE RebateLand Transport Authority · 2026-09-05
OneMotoring — COE Renewal and Prevailing Quota PremiumLand Transport Authority · 2026-09-09
OneMotoring — Road Tax and Age SurchargeLand Transport Authority · 2026-09-11
OneMotoring — Vehicular Emissions SchemeLand Transport Authority · 2026-09-10
LTA / NEA — Extension of VES and EEAILand Transport Authority / National Environment Agency · 2026-09-10
EMA — Buying Electricity at the Regulated TariffEnergy Market Authority · 2026-09-11
LTA — Revision to PARF Rebate Schedule and CapLand Transport Authority · 2026-09-05
data.gov.sg — COE Bidding ResultsLand Transport Authority / data.gov.sg · 2026-09-05
Public Transport Council — Fares and passesPublic Transport Council · 2026-09-08
SimplyGo — Adult Monthly Travel PassTransitLink / SimplyGo · 2026-09-08
GIA — No Claims DiscountGeneral Insurance Association of Singapore · 2026-09-11
GIA — Dos and Don’ts Following an AccidentGeneral Insurance Association of Singapore · 2026-09-11
GIA — Motor Claims FrameworkGeneral Insurance Association of Singapore · 2026-09-11

General educational planning only. Prices, residual values, expenses, cash, income and return assumptions are user-entered. Confirm current financing, taxes, rebates, COE data, vehicle condition, insurance and transaction costs with the relevant official source and provider before acting. Interest.sg does not assess credit, lender decisions, suitability or which vehicle to buy.

Clear outputs

What this tool will show

Each result stays connected to the inputs and rules used.

01Cash needed now, remaining cash and all-in monthly commitment
02Household surplus and emergency-buffer months before and after
03Property-loan TDSR headroom and estimated displaced principal context
045, 7 and 10-year economic cost, average monthly cost and cost per km
05User-controlled opportunity cost, sensitivity and visible binding constraints

Transparency standard

The workings stay visible from day one.

✓

Official rules

Applied parameters include a source and verification date.

✓

Assumptions

User inputs and defaults are clearly separated.

✓

Limits

Scope and exclusions appear beside the result.

Read the full methodology→

interest.sg provides general information, dated reference data and calculation tools. Results are estimates—not financial, investment, legal, tax, property, valuation, CPF, HDB, lending, insurance or protection advice. Verify material decisions with the relevant authority or a qualified professional.

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Car Affordability & Financial Impact Calculator

What this tool will show

The workings stay visible from day one.

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