Official rules
Applied parameters include a source and verification date.
←Car & transport cost
COE, PARF & Depreciation Calculator
Choose the applicable PARF regime, enter the actual QP or PQP and vehicle value assumptions, then separate paper value from an inclusive market resale value across new, used PARF and COE-renewed car modes.
✓ Results shown free✓ Dated source references✓ General information only
LTA · MOT · data.gov.sg · methodology v1.1.0 · rules checked 5 Sep 2026
See unused COE or PQP rebate, the applicable PARF path, paper value and straight-line depreciation without treating paper value as market resale.
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. This is not a vehicle valuation, sale-price forecast, financing decision or recommendation. Confirm vehicle-specific rebate eligibility and transaction values with LTA, OneMotoring or the relevant professional.
Clear outputs
What this tool will show
Each result stays connected to the inputs and rules used.
- 01Unused COE or PQP rebate and applicable PARF rebate
- 02Paper value kept separate from inclusive market resale
- 03Straight-line total, annual and monthly depreciation
- 04Year-by-year rebate path through the selected holding period
- 05User-controlled lower and higher resale sensitivity
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
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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
Car Loan, Downpayment & True Interest
Compare two or three offers by cash needed, monthly burden, fees, total borrowing cost and derived EIR.
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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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