Can we afford a car?

The honest cost of a car in Singapore, with the current COE premium from LTA and the loan rules as MAS applies them.

Loading COE results…

Step 1 of 3

The car

Start with the price the dealer quoted you. Many quotes already include the COE; if yours doesn't, we add this round's Category A premium from LTA.

Dealer's quoted priceThat price already includes the COEOMVOpen Market Value, on the dealer's price list. It decides how much you can borrow: 70% of the price if the OMV is $20,000 or less, 60% above that.

Enter the quoted price to carry on.

2The loan

3Running it

The full cost lights up here once you've finished step 1 of 3.

Enter what you've been quoted and the numbers appear here.

COE premiums from LTA's published bidding results via data.gov.sg. We don't list prices for individual car models: those belong to the dealers and change constantly, and a stale price on a purchase this size is worse than none. Enter what you've been quoted and everything else follows.