SGTools
Car vs Public Transport Break-Even Calculator
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Car Ownership Inputs
Car purchase price (incl COE)
COE value at purchase
Engine capacity (cc)
Expected PARF rebate at deregistration
?
Loan amount (SGD)
?
Loan interest rate (% p.a.)
Loan tenure (years)
0 (cash)
5
6
7
Monthly parking (home)
Monthly parking (office)
Monthly petrol
Monthly ERP
Annual insurance
Annual maintenance/servicing
Ownership period (years)
5
7
10
Public Transport Inputs
Daily MRT/bus trips
Average MRT fare per trip
Working days per month
Use monthly pass?
No
Yes ($122)
Grab trips per week
Average Grab cost per trip
Sensitivity (What-if)
Petrol cost adjustment:
0%
Grab fare adjustment:
0%
Parking adjustment:
0%
ERP adjustment:
0%
Results
Monthly car cost
-
Monthly PT + Grab cost
-
Monthly savings
-
Break-even Grab trips
?
-
Item
Car (monthly)
PT+Grab (monthly)
Ownership Summary
Legend & Assumptions
Monthly pass
: Assumes Adult Monthly Travel Card at
SGD 122/month
.
Grab monthly conversion
: Uses
4.33 weeks/month
.
Loan interest
: Uses simple-interest approximation (not full reducing-balance amortization).
Road tax
: Uses petrol-car formula for <10-year vehicles; excludes older-car surcharge.
Disclaimer
Estimates only. Actual costs vary by vehicle, usage, location, fare updates, and platform surge pricing.