The numbers behind your car, without the guesswork.
Free calculators and generators built for Singapore's rules — Rule of 78 settlements, PARF-aware depreciation, VRN checksums and appeal letters. No sign-up, no sales pitch.
Singapore auto market, at a glance.
The numbers behind the whole industry — updated from LTA statistics.
The toolbox.
Singapore-only calculations that generic calculators get wrong — free, no sign-up.
Rule of 78 Loan Settlement
Planning to sell or refinance before your loan ends? See your exact early settlement amount — including the interest rebate banks calculate under Rule of 78, not simple pro-rating.
Calculate settlement DEPCar Depreciation Calculator
The number every Singapore buyer compares. Get true annual depreciation from price, PARF rebate and COE left — so you can compare any two cars on equal footing.
Work out depreciation NCDVRN Appeal Letter + NCD Transfer
Retaining a plate or transferring your No-Claim Discount? Generate a properly formatted appeal letter in minutes instead of drafting one from scratch.
Generate my letter EVEV vs Petrol Cost Comparison
Charging vs pump prices, road tax and your real monthly mileage — see which drivetrain is cheaper for how you actually drive, and the mileage where the EV starts saving.
Compare my costs VRNVRN Checksum Calculator
Eyeing a specific plate number? Compute the checksum letter for any prefix–number combination before you bid, using LTA's official formula.
Check a plateBuilt by someone who does this daily.
SG Drives is maintained by a Singapore automotive industry veteran with over a decade in the trade. These are the same calculations run for real customers every week — published free, so you can walk into any showroom or dealership already knowing your numbers.
Beyond the calculators.
The tools give you the numbers — these two services get you the deal itself.
Best Used Car Valuation
Online instant quotes are lowball anchors. Get a real valuation that weighs your PARF position, COE runway and model demand — contested across multiple buyers, usually same day.
Get my valuation HUNTCar Recommendation & Hunting
New or used, this brand or that, buy now or wait a COE cycle — get a straight recommendation, then have the exact car hunted down, negotiated and papered end to end.
Start my car huntGuides & explainers
Plain-English breakdowns of COE categories, PARF rebates, early settlement traps and more — written for owners, not accountants.
Read the blogHave a question about your numbers?
If a calculation doesn't match what your bank or dealer quoted, reach out — odd cases are how the tools get better.
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