Official rules
Applied parameters include a source and verification date.
←Car & transport cost
Car Loan, Downpayment & True Interest Calculator
Enter the exact loan offers you received. The calculator applies the official OMV-based financing boundary, derives an EIR from the entered cash flows and keeps lender-specific early-settlement terms visible without predicting approval.
✓ Results shown free✓ Dated source references✓ General information only
MAS · MoneySense · methodology v1.0.0 · rules checked 5 Sep 2026
Compare the exact loan offers you received. Flat interest, every entered fee, cash needed and an EIR derived from the cash flows stay visible side by side.
Official sourcesPackaged fallback reference
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 information only, not a loan offer, credit assessment, settlement quote or recommendation. Lender approval, fees and settlement methods vary; confirm the exact contract and payoff amount with the lender.
Clear outputs
What this tool will show
Each result stays connected to the inputs and rules used.
- 01Official maximum loan, minimum downpayment and cash gap
- 02Flat interest, monthly instalment, fees and total payable
- 03Derived effective annual rate from each offer's entered cash flows
- 04Side-by-side monthly, total-cost, EIR and settlement comparison
- 05Property-loan TDSR and mortgage-principal headroom context
Transparency standard✓ ✓ ✓ Read the full methodology→
The workings stay visible from day one.
Assumptions
User inputs and defaults are clearly separated.
Limits
Scope and exclusions appear beside the result.
Flagship
Cars
Car Affordability & Financial Impact
Connect purchase cash, flat-rate financing, running costs and household headroom across 5, 7 and 10 years.
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Cars
Total Car Ownership Cost
Separate cash flow, economic cost and opportunity value for a new, used PARF or COE-renewed car.
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Cars
COE, PARF & Depreciation
Calculate paper value, the correct rebate path and straight-line depreciation under dated Singapore rules.
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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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