Car Ownership Cost Calculator (Singapore, 2026)
2-step car decision flow
Step 1: Set budget ceiling (affordability)
Step 2: Price a specific car (this page)
This is the “real monthly cost” calculator: depreciation + financing + operating costs. It’s designed to complement the deep-dive breakdowns (not replace them).
Inputs
Tip: if you’re unsure, start with a 5‑year horizon and a conservative resale value.
Results
True all‑in monthly cost
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Total cost (horizon)
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All‑in: depreciation + financing + operating
Depreciation
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On‑road − resale
Financing interest
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Breakdown
| Component | Horizon total | Monthly equivalent | Notes |
|---|
If your “monthly instalment” feels affordable but this number doesn’t — that’s the instalment trap. Use this together with the frameworks below.
Notes (what this does and doesn’t do)
- Depreciation is modeled as on‑road price minus your expected resale value at the horizon.
- Financing uses either an effective APR amortization model or flat‑rate simple interest (common in advertising). Flat‑rate monthly is approximated by adding simple interest across the loan tenure.
- Fuel uses annual mileage ÷ km/L × fuel price. It ignores rebates/discounts and assumes stable prices.
- This is a decision calculator, not an accounting statement. Use conservative inputs.