Official rules
Applied parameters include a source and verification date.
←Car & transport cost
Car vs Public Transport & Ride-Hailing Calculator
Enter one confirmed alternative-transport view and either a quick or detailed car view. The calculator reconciles monthly and annual cost, time, loan maturity, vehicle equity, household headroom, break-even and user-controlled sensitivity without recommending a transport mode or claiming any Grab affiliation.
✓ Results shown free✓ Dated source references✓ General information only
PTC · SimplyGo · user-confirmed costs · methodology v1.1.0 · reference checked 8 Sep 2026
Compare a car with public transport and generic ride-hailing using one reconciled monthly view. Costs, trip frequency, time and future-return assumptions remain yours; this tool has no Grab affiliation.
Official referencesPTCSimplyGoUser inputs
Public methodology
Public methodology
Monthly totals use 52 weeks ÷ 12 months. Only the selected alternative-transport mode is counted. Public transport fares are per traveller; generic ride-hailing fares are per vehicle. Benefits are applied once, and loan payments stop at the entered maturity month before full-horizon averages are calculated. Market end value and paper value must never be added twice.
Live API referencePackaged fallback reference- MAS — Motor Vehicle Loans2026-09-05
- MoneySense — Flat Rate, Monthly Rest and Effective Interest Rate2026-09-05
- MoneySense — Buying a Property: How Much Can You Afford?2026-09-05
- OneMotoring — Vehicle Tax Structure2026-09-11
- OneMotoring — PARF/COE Rebate2026-09-05
- OneMotoring — COE Renewal and Prevailing Quota Premium2026-09-09
- OneMotoring — Road Tax and Age Surcharge2026-09-11
- OneMotoring — Vehicular Emissions Scheme2026-09-10
- LTA / NEA — Extension of VES and EEAI2026-09-10
- EMA — Buying Electricity at the Regulated Tariff2026-09-11
- LTA — Revision to PARF Rebate Schedule and Cap2026-09-05
- data.gov.sg — COE Bidding Results2026-09-05
- Public Transport Council — Fares and passes2026-09-08
- SimplyGo — Adult Monthly Travel Pass2026-09-08
- GIA — No Claims Discount2026-09-11
- GIA — Dos and Don’ts Following an Accident2026-09-11
- GIA — Motor Claims Framework2026-09-11
Frequently asked questions
Does this recommend whether I should own a car?
No. It shows arithmetic differences under the assumptions you confirm.
Is the S$122 pass compulsory?
No. It is a dated optional reference and remains editable.
Is this connected to Grab?
No. Ride-hailing is a generic user-entered category; Interest.sg has no Grab affiliation.
General information only. This is not transport, vehicle, lending, investment, tax or financial advice, and it does not predict fares, resale values, returns or loan approval.
Clear outputs
What this tool will show
Each result stays connected to the inputs and rules used.
- 01Car and alternative monthly cost with annual and horizon differences
- 02Time difference and neutral implied value per hour
- 03Pre- and post-benefit gaps plus household surplus and optional reserve runway
- 04Opening and closing vehicle equity, loan-maturity ledger and opportunity projection
- 05Break-even, cumulative comparison, bounded sensitivity and visible calculation trace
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.
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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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