Car Affordability 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.
S$30kS$400k
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.
30%70%
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.
200 km5,000 km
S$3.37/L was the listed 95-octane pump price snapshot on 10 Sep 2026. Card discounts can reduce it.
Everyday ownership costs
About 2026 EV rebates
VES gives eligible EVs up to S$22,500, while EEAI is 45% of ARF capped at S$7,500 and ends 31 Dec 2026. These are usually reflected in the dealer price, so this calculator does not subtract them again. Check your quote.
COE price history
Quarterly average premium, not a forecast.
S$128,080Q3 2026 · Category A
Q3 2026 · S$128,080
Source: data.gov.sg COE bidding results · Tap or drag anywhere on the line