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A little clarity before the showroom · No signup

Your next car.
At your comfort level.

Start with the cash you’re comfortable putting in. Choose a car age, then see the purchase budget and everyday costs together.

Start with a useful estimate

Everyday ICE starting estimates are loaded.

These are editable planning allowances, not model-specific quotes. Applying a profile replaces energy, road tax, insurance before NCD, servicing, tyres and repair reserves. Your cash budget, instalment, mileage, parking, NCD and other entries stay as entered.

1

S$

Your available cash, not an amount you have to spend. Arrows move by S$1,000; you can type any amount.

2

How old a car would you consider?

3

S$/month
S$0 / cash purchaseS$5,000

Arrows and slider move by S$100. You can also type any amount. This covers the loan only.

4

Leave room for life with a car

Editable planning allowances, not market averages or quotes. Fuel/charging is separate from servicing, repairs and tyres.

Starting assumptions at 18,000 km/year: ICE at 20¢/km = S$300/month; EV charging at 12¢/km = S$180/month. Adjust for your car, fuel price or charging mix. Use the car profile above to load suggested costs; your mileage stays as entered.

Insurance estimate = entered premium × (1 − NCD). If you enter a quote already after NCD, select 0% here. Actual insurer pricing may differ.

Adjust servicing, tyres & other costs

Everyday ICE starts at S$600/year for servicing and S$400/year for tyres (e.g. S$1,200 every 3 years). Other profiles use different allowances. Repair reserves depend on the applied profile and warranty setting. These are adjustable allowances, not guarantees of coverage or enough for every repair.

Changing car age loads a warranty assumption: new = with warranty; used = no warranty. Change this to match the car. Changing warranty resets the repair reserve and initial refresh (S$0 with warranty / S$500 without); other inputs stay as entered. Routine servicing and tyres still need a budget with warranty.

Assumptions · interest, PARF & downpayment

The S$20,000/year reference is a comparison point, not a market average. Confirm the applicable financing limit and actual PARF for your chosen car.

Estimated purchase budget, up to

Depreciation at this price
Downpayment used
Estimated loan
Monthly instalment
Total loan interest

A S$20k/year reference point

At the purchase budget shown above

The monthly cash picture

/month

Loan instalment + running costs and reserves, while the loan is active. Annual bills are spread monthly for planning.

Loan instalment
Running costs & reserves
After the loan ends

See the running-cost breakdown

Estimated ownership cost

Depreciation + running costs/reserves + total loan interest and one-off costs spread over the remaining ownership years. Loan principal is not added again. The two totals describe different things; do not add them together.

Talk through this budget with Kevin ↗

Estimates only, not loan quotes or market valuations. Assumes an original 10-year COE and ownership until its expiry, with the selected PARF rebate received at the end. Loan periods are illustrative; lenders may offer shorter terms. Depreciation excludes running costs and interest; the separate ownership total includes them. All annual allowances, including insurance/NCD and repair reserves, are held constant for this illustration. A warranty may expire during ownership: adjust the repair reserve to an average appropriate for how long you will keep the car. Unspent reserves remain your cash. Major repairs, accident excesses and the opportunity cost of cash are not predicted. COE-renewed cars are outside this illustration.

Check your actual car: LTA road tax · EV road tax structure · PARF eligibility · How NCD works.