Total Cost of Ownership Calculator
Calculate the full cost of owning a car in Singapore over 10 years, including COE, ARF, depreciation, insurance, petrol, parking, and maintenance.
Total Cost of Ownership
Estimate the full cost of owning a car in Singapore. Adjust the inputs below and the results update instantly.
Quick Fill
Select a car model to auto-fill typical values, then adjust as needed.
Purchase Costs
Running Costs
Ownership Period
Total Cost of Ownership (10 yrs)
S$253,720
Equivalent to S$2,114 / month
Upfront Costs
Running Costs
Cost Split
Understanding the True Cost of Car Ownership in Singapore
The sticker price of a car in Singapore is just the beginning. Between the Additional Registration Fee, COE premium, insurance, road tax, petrol, parking, and maintenance, the true cost of ownership can be 40-60% higher than what you pay at the showroom.
This calculator gives you a single, honest number — the total you will spend from the day you collect the keys to the day you return the plates. It includes both fixed costs like depreciation and ARF, and recurring costs like fuel and insurance that compound over 10 years.
If you are financing your purchase, the loan calculator can help you estimate monthly instalments separately. For a complete introduction to the COE system and how it affects your purchase, read our beginner guide to COE.