Singapore Car Loan Calculator - Calculate Auto Loan & COE

Calculate Your Car Loan

Car Category:

Open Market Value - OMV (SGD):

COE Price (SGD):

Dealer Markup (SGD):

Down Payment (%):

Loan Tenure:

Interest Rate (% per annum):

Annual Insurance (SGD):

Car Loan Calculation Results

Enter your car details to calculate the total cost and monthly loan payments.

Singapore Car Ownership Costs

Owning a car in Singapore involves several mandatory costs including COE, ARF, road tax, and insurance. This calculator helps you estimate the total cost and monthly payments.

Certificate of Entitlement (COE)

Required to register a vehicle. Valid for 10 years. Prices fluctuate based on bidding.

Additional Registration Fee (ARF)

100% of OMV for first $20,000, 140% for next $30,000, 180% for amount above $50,000.

Goods & Services Tax (GST)

9% GST on OMV + ARF + dealer markup.

Road Tax

Annual fee based on engine capacity. Ranges from $372 to $2,214 per year.

COE Categories & Current Trends

Category A: Cars ≤1600cc and ≤130bhp
Category B: Cars >1600cc or >130bhp
Category E: Electric and hybrid cars
Motorcycle: Motorcycles and scooters
Open Category: Any vehicle type

Additional Costs to Consider

Inspection Fee: ~$50 for vehicle inspection
Number Plate: $25 for standard plates
PARF/COE Rebate: Rebate when scrapping car before COE expiry
Maintenance: Regular servicing and repairs
Parking: Season parking, ERP charges
Fuel: Petrol/diesel costs