Wheeley Calculators

Run the numbers before you talk to anyone.

Most car decisions in Singapore are arithmetic dressed up as gut feel. The calculators below do the arithmetic openly — with the formula, the assumptions, and what to do next. No hidden costs, no "leave it to us" mystery.

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Car Loan Calculator

Monthly instalment, total interest, EIR. For both bank panel and in-house financing.

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Depreciation Calculator

How much value your car will lose over a holding period. Per-year and per-month.

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COE Position Calculator

How much COE time is left on your car and what it means for value and exit options.

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PARF Rebate Calculator

Estimate the PARF rebate you would receive at deregistration, based on OMV and ARF.

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Paper Value Calculator

PARF + pro-rated COE rebate: the value of your car on paper if you deregistered today.

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Buy vs Renew COE

Should you renew your COE for 5 or 10 years, or deregister? Decision matrix.

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Is This Car A Good Deal?

Compare a listing's asking price against depreciation, COE position and market band.

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Refinance vs Renew

See whether refinancing your existing car loan saves you money.

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Sell vs Keep

Should you sell the car now or keep it? Run the numbers against your holding plan.

How the Wheeley calculators work

Every calculator is built around formulas that are documented openly on the page. We will always show you:

check_circleThe formula used.
check_circleThe assumptions made (rates, COE category, depreciation rate).
check_circleWhat the output means and what it does not include.
check_circleThe next step if you want a real quote.

Outputs are indicative. They use publicly available schedules and Wheeley's own transaction history where applicable. They do not constitute financial advice or a binding quote.

Need a number we do not have a calculator for?

Message the desk. We will work it out and add a new calculator if it is a question we hear often.

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