Not financial advice. These are simplified decision models (not quotes/approvals). Use them to avoid instalment illusions.
Ownership Guide calculators are built for one purpose: convert messy “feelings” decisions into structured exposure math. In Singapore, the biggest error is treating instalments as cost — these tools force the full picture.
If you want the underlying transport models that explain the calculator logic: true monthly cost · 5-year ownership breakdown · instalment trap.
Calculators are fast, but they are built on full frameworks. If you want structural clarity (not just an output), start with the pillars:
The tools compress these models into faster decision shortcuts.
Use this when your real question is: “Should I own at all?” Compares your ownership band against your actual ride-hailing spend.
Best paired with: car vs ride-hailing analysis · is it worth owning a car?
Use this when you are leaning towards ownership and want to avoid a fragile plan. Builds true monthly cost (depreciation/COE + running costs + opportunity cost) and runs stress tests.
Best paired with: true monthly cost · salary reality check · upfront cash planning
Property calculators are next. In the meantime, use the core model: