Used vs New Car Calculator (Singapore, 2026)

The trap is comparing purchase price instead of depreciation + financing + maintenance risk. This calculator estimates the all‑in monthly cost for used vs new over the same holding period.

Want the framework?

Read: Used vs New Car (Decision Framework)

Also: All‑in ownership cost

Inputs

Holding period (years) Loan interest (% p.a.) Interest type Loan tenure (years) Downpayment (% of price) Fees (loan + admin, SGD) Common running costs (SGD / month) Used extra maintenance risk (SGD / month) New extra warranty/servicing (SGD / month) Used purchase price (SGD) Used resale value after holding (SGD) New purchase price (SGD) New resale value after holding (SGD)

Tip: If you’re paying cash, set downpayment to 100% or set the interest rate to 0.

Results

Used all‑in monthly

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Depreciation + interest + running

New all‑in monthly

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Depreciation + interest + running

Cheaper option

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Holding period

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Used vs new flips by horizon

Breakdown

Component	Used (S$/mo)	New (S$/mo)

Used vs New Car Calculator (Singapore, 2026)

Inputs

Results

Breakdown

Next steps