Car & COE Calculator
Not just the instalment. Add COE, road tax, fuel or charging, insurance and the everyday costs of driving in Singapore.
Vehicle price01
Dealer price before COE. Use the quoted price after any rebates.
Your COE02
At 1,598cc, Category A is suggested. If power exceeds 97kW, choose B.
How you finance it03
The lower the deposit, the more interest you carry each month.
MAS maximum loan is 60% when OMV exceeds S$20,000, or 70% when OMV is S$20,000 or less. Maximum tenure: 7 years.
Your driving04
Adjust the distance and petrol assumptions to match your routine.
S$3.37/L was the listed 95-octane pump price snapshot on 10 Sep 2026. Card discounts can reduce it.
Everyday ownership costs
COE price history
Quarterly average premium, not a forecast.
Wait or buy?
Bidding for a new COE. Figures below use the round's clearing premium, not your bid. An uncleared bid is a separate decision this data cannot speak to.
How the 10-year figure is built
Upfront: the vehicle price plus the COE premium. The COE field pulls the latest COE bidding results from data.gov.sg when you're online, falling back to the built-in September 2026 snapshot if the feed is unavailable — override it with your own quote.
Financing: your downpayment, loan tenure and flat interest rate set the monthly instalment, counted across the full loan tenure.
Running costs across one 10-year COE cycle: insurance, road tax (which differs for petrol and electric), fuel or energy from your monthly distance and consumption, maintenance, plus parking and ERP.
Excluded: resale value, depreciation and the PARF rebate — this is what the car costs you, not what you get back.
Common questions
What does COE cost right now?
The calculator pulls the latest COE bidding results from data.gov.sg when you're online, falling back to a built-in September 2026 snapshot if the feed is unavailable. You can override the premium with your own quote.
Are electric cars cheaper to run in Singapore?
They cost more to insure (about S$1,650 a year vs S$1,400 for petrol) but less to maintain (about S$80 a month vs S$120). Toggle the fuel type above to compare.
What does the 10-year figure include?
The upfront payment plus instalments over your loan tenure and running costs across one COE cycle. It excludes resale value, depreciation and PARF.
Does the 10-year figure include renewing my COE?
No — it covers a single 10-year COE cycle. Renewing the COE after ten years, or buying a replacement car, is not modelled.
Are dealer discounts or trade-in values included?
No. Enter the price you actually pay after discounts; the figure does not subtract anything further and adds no trade-in value — what you see is the cost of owning, not of selling.