Depreciation Visualizer
Explore three illustrative ten-year car value scenarios using your own inputs.
For COE-exempt cars, use registration dates: before 15 February 2023, 15 February 2023–12 February 2026, or from 13 February 2026. Renewed COE cars are not PARF eligible.
Your inputs
10-year scenarios
Chart unavailable. The values remain available in the data table.
View data as table
| Year | Base | Bullish | Bearish | Scrap value |
|---|---|---|---|---|
| 0 | S$160,000 | S$160,000 | S$160,000 | S$110,700 |
| 1 | S$144,195 | S$147,356 | S$141,034 | S$100,700 |
| 2 | S$128,390 | S$134,712 | S$122,068 | S$90,700 |
| 3 | S$112,585 | S$122,068 | S$103,102 | S$80,700 |
| 4 | S$96,780 | S$109,424 | S$84,136 | S$70,700 |
| 5 | S$80,975 | S$96,780 | S$65,170 | S$60,700 |
| 6 | S$65,170 | S$84,136 | S$48,950 | S$48,950 |
| 7 | S$49,365 | S$71,492 | S$37,200 | S$37,200 |
| 8 | S$33,560 | S$58,848 | S$25,450 | S$25,450 |
| 9 | S$17,755 | S$46,204 | S$13,700 | S$13,700 |
| 10 | S$1,950 | S$33,560 | S$1,950 | S$1,950 |
Your result is based on the inputs above. Review each assumption against your own situation before using this number in a purchase decision — and read the methodology for the exact formulas used.
How this calculator works
This is an illustrative model for a car's original ten-year COE term. Purchase price and body value are inputs, not verified valuations. The model estimates PARF using the selected cohort and COE rebate using whole unused months.
The base curve interpolates between the entered purchase price and the estimated year-ten PARF plus body value. At each year it is constrained to be no lower than the estimated rebates plus your assumed body value. That constraint is a modelling choice, not a guaranteed dealer offer or minimum market price.
The bullish and bearish labels change the assumed depreciation slope by 20% in either direction. These scenarios have no assigned probabilities or measured forecasting accuracy. The slower curve can retain value above the terminal estimate at year ten; it does not fund or model COE renewal.
Confirm vehicle-specific rebates with LTA. Actual COE rebates can include remaining days, while this annual illustration uses whole months.
What this calculator does not capture
- Combines statutory rebates with your body resale estimate; actual offers can differ.
- The assumed curves are not fitted to resale transactions and do not establish a realistic price range.
- Does not model brand premium, accident history, or mileage impact.
- The selected COE cohort determines PARF rates and caps at every modelled deregistration age.
Frequently asked questions
- What is the scrap value floor?
- The model combines estimated PARF and unused COE rebates with your assumed body value. It uses this sum as a lower constraint on its curves. Neither the body estimate nor the resulting curve is a guaranteed market value or dealer offer.
- How do bullish and bearish scenarios differ from the base case?
- The slower and faster curves alter the base depreciation slope by the percentage displayed in the methodology. They are hypothetical sensitivity scenarios, not ranges fitted to resale data or assigned probabilities.
- Does this model resale market dynamics?
- No. It uses estimated rebates and an assumed body value. It does not model dealer transactions, condition, mileage or market demand, and it does not establish a minimum sale price.