Cars

Total Car Ownership Cost Calculator

Enter the vehicle, loan, end-value and operating-cost assumptions for one ownership period. The calculator reconciles purchase cash, financing, vehicle value change, fixed and usage-linked costs without counting loan principal twice, then keeps Current, Target car and No car states together.

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

MAS · LTA · MoneySense · data.gov.sg · methodology v1.0.0 · checked 5 Sep 2026

Calculate one chosen ownership period for a new PARF, used PARF or COE-renewed car. Cash flow, economic cost and optional opportunity value stay separate.

Decision evidence

Separate cash flow from the economic cost of owning a car

Compares one user-defined ownership horizon across purchase cash, financing, running costs, end value and alternative monthly transport states.

Who this is for

Households comparing a Current state, a Target car and a No-car baseline with their own vehicle and usage assumptions.

What it does not decide

It does not predict resale value, PQP, repairs, returns or lender approval, and it does not recommend a vehicle or financing offer.

Input and output contract

Facts you provide: Vehicle mode, price, OMV, loan, horizon, mileage, end value and every recurring or irregular cost.
Dated rules: MAS vehicle-loan boundaries and the selected LTA PARF/COE regime; official data is context, not a price prediction.
Calculated estimates: Net cash outflow, economic cost, cost per month and kilometre, component shares and sensitivities.
Unknown until confirmed: Actual resale, settlement balance, insurance, repairs, usage and future policy changes.
Optional scenarios: Current and No-car comparisons, opportunity value, profile import, saving and registration are optional.

Account use is optional: Current and No-car comparisons, opportunity value, profile import, saving and registration are optional.

Target-car purchase, financing and end-value assumptions remain in the encrypted scenario and are never proposed as current obligations.

Input sourceProvided by youUsing from My Financial ProfileOfficial dated ruleCalculated estimate

1Vehicle and ownership period

Choose the car type and how long you expect to own it. Used and renewed-car horizons cannot pass the entered COE expiry.

Scenario name (optional)Provided by youThis vehicle isProvided by youOnly a confirmed current car can propose stable facts back to your profile. A target car remains scenario-only.Vehicle modeProvided by youPurchase priceS$Provided by youOpen Market Value (OMV)S$Provided by youMAS planning boundary: up to 70% LTV at OMV ≤ S$20,000 and up to 60% above S$20,000.Vehicle age when acquiredyearsProvided by youUse 0 for a new car, 0–10 for a used PARF car, and at least 10 for a COE-renewed car.Expected ownership periodyearsProvided by youAnnual distancekm/yearProvided by you

2Purchase and financing cash flow

Enter the actual price and flat-rate loan terms. Remaining principal at sale is shown as an exit cash flow, not a second economic cost.

Selected loan amountS$Provided by youAdvertised flat interest rate% p.a.Provided by youLoan tenureyearsProvided by youTransfer, dealer and upfront feesS$Provided by youAccessories paid nowS$Provided by youFinancing fees paid nowS$Provided by youEntered settlement fee at exitS$Provided by youUse the amount stated by your lender. Contract terms differ; this tool does not assume a universal Rule of 78.

3End value and paper value

For a market sale, enter one sale value that already reflects the vehicle and its paper value. For deregistration, components are added separately.

End-of-period treatmentProvided by youEstimated total market sale valueS$Provided by youDo not add PARF or unused COE rebate again if they are already reflected in your market sale value.Original ARF paidS$Provided by youPARF and unused COE rebate use your entered ARF, COE/PQP, age and selected dated regime.Applicable PARF rule regimeOfficial dated rulePARF and unused COE rebate use your entered ARF, COE/PQP, age and selected dated regime.COE premium or PQP paidS$Provided by youPARF and unused COE rebate use your entered ARF, COE/PQP, age and selected dated regime.Original COE termProvided by youCOE months remaining when acquiredmonthsProvided by youPARF and unused COE rebate use your entered ARF, COE/PQP, age and selected dated regime.

4Fixed recurring costs

Use your annual road tax and insurance plus regular season parking.

Road taxS$Provided by youMotor insuranceS$Provided by youSeason parkingS$Provided by you

5Usage-linked and irregular costs

Enter costs for your mileage and use pattern; do not rely on hidden make or model assumptions.

Fuel or chargingS$Provided by youERPS$Provided by youDestination parkingS$Provided by youMaintenanceS$Provided by youTyresS$Provided by youInspectionsS$Provided by youRepairsS$Provided by youContingencyS$Provided by you

6Comparison and sensitivity

Keep Current, Target car and No car states together, then test running-cost and end-value uncertainty.

Current monthly transport spendingS$Provided by youThe no-car value is only a reusable baseline here; Tool 5 will provide the full public transport and ride-hailing comparison.No-car monthly transport estimateS$Provided by youThe no-car value is only a reusable baseline here; Tool 5 will provide the full public transport and ride-hailing comparison.Opportunity-cost return assumption% p.a.Provided by youRunning-cost sensitivity% p.a.Provided by youEnd-value sensitivity% p.a.Provided by youTransport review date (optional)Provided by you

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Method and version

total-car-ownership-cost-v1.0.0 · source set checked 11 Sep 2026

Cash flow counts money paid and received during the horizon. Economic cost counts vehicle value change, acquisition extras, interest, settlement fee and running costs. Loan principal is not added twice; an inclusive market sale value is never increased again by paper value. Opportunity value remains separate.

Material limitations

All vehicle prices, operating costs and end values remain user-entered; the result is not a resale forecast.
A positive opportunity value is a scenario at your chosen return, not an investment forecast or ownership cost.

Reproducible fictional example

Inputs and assumptions

Fictional new PARF target car: S$100,000 price, S$20,000 OMV, S$60,000 seven-year loan at 2.5% flat rate.
Five-year / 60,000 km horizon; entered inclusive resale value S$50,000; entered running costs total S$62,000.
Current transport S$500/month, No car S$250/month, optional return assumption 4%; running and end-value sensitivity 10% each.

Replayed engine outputs

Net cash outflow S$124,000; economic ownership cost S$124,000; reconciliation difference S$0.
Average economic cost S$2,066.67/month and S$2.07/km; end value S$50,000.
Optional opportunity value S$156,981.97, shown separately and not added to ownership cost. Engine total-car-ownership-cost-v1.0.0.

Primary sources and review dates

Source	Effective or source date	Checked by Interest.sg	How it is used
MAS — Motor Vehicle Loans ↗	Current planning boundary	5 Sep 2026	LTV and tenure validation
LTA — PARF/COE Rebate ↗	Selected regime; 20 Feb 2026 source set	5 Sep 2026	Paper-value calculation
data.gov.sg — COE Bidding Results ↗	Dataset updated 19 Aug 2026	5 Sep 2026	Context only

Next actions

Replace the fictional inputs with a written dealer, lender and insurer breakdown, including settlement terms.
Compare the lower- and higher-cost cases before deciding whether the Target state fits the household budget.

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. All vehicle prices, end values and operating costs are user-entered. Paper-value estimates depend on the ARF, COE/PQP, remaining term and PARF regime you select. Confirm vehicle condition, transaction costs, loan settlement terms, insurance, taxes and rebates with the relevant authority or provider. Interest.sg does not assess lender approval, suitability or which vehicle to buy.

Clear outputs

What this tool will show

Each result stays connected to the inputs and rules used.

01Cash required now, monthly cash flow, exit settlement and net cash outflow
02Economic cost, annual/monthly averages and cost per kilometre
03Fixed, usage-linked, irregular, financing and vehicle-value component shares
04Paper value shown separately from an inclusive market sale value
05Current, Target car and No car comparison plus optional opportunity value

Transparency standard

The workings stay visible from day one.

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Official rules

Applied parameters include a source and verification date.

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Assumptions

User inputs and defaults are clearly separated.

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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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