COE Loan Calculator (Singapore, 2026)

This calculator estimates the monthly instalment, total interest, and total paid when you finance the COE portion. Many quotes are advertised as a flat rate (simple interest). To compare apples-to-apples, this page also estimates the equivalent effective rate (APR).

Inputs

COE amount (SGD)

Downpayment on COE (%)

Tenure (years)

Rate type

Interest rate (% per year)

One-time fees (SGD)

Results

Loan principal (COE financed)

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Monthly instalment (est.)

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Total interest

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Total paid (incl. fees)

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Next steps

Car loan calculator (flat vs effective) — for the full car price financing.
Car affordability stress test — test total monthly burden (not instalment).
COE cost framework — what COE really means in the ownership equation.

Notes: This is a planning calculator, not financial advice. Actual loan terms can include rebates, step-up rates, insurance add-ons, or different fee structures.