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.

Free car valuation in Singapore — start here

The right way to value a car in Singapore is to combine three numbers — PARF rebate, COE rebate, and the market residual. Wheeley's seven free calculators split them apart so you can compare buyers on a like-for-like basis. For a single combined cash number, request a free car valuation or a direct offer for your car.

Step 1 — PARF

PARF rebate calculator →

Sliding scale by age. Zero after 10 years.

Step 2 — COE

COE remaining calculator →

Years left + what that means for your car's value.

Step 3 — Floor

Paper value calculator →

PARF + COE = the scrap floor. The number to anchor any negotiation.

calculate

Car Loan Calculator

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

trending_down

Depreciation Calculator

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

token

COE Position Calculator

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

redeem

PARF Rebate Calculator

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

description

Paper Value Calculator

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

compare_arrows

Buy vs Renew COE

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

gavel

Is This Car A Good Deal?

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

account_balance

Refinance vs Renew

See whether refinancing your existing car loan saves you money.

request_quote

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.

Message the Desk

Singapore car valuation — FAQ

What is the best free car valuation in Singapore?

Wheeley's seven free calculators cover PARF, COE, paper value, loan instalment, depreciation, the buy-vs-renew COE decision, and the "is this car a good deal" sanity check. Together they handle 95% of the valuation maths the average owner needs.

Are the calculators free and private?

Yes. No login. No data sent. The math runs in your browser. Use the results to negotiate with any buyer.

Which calculator do I need for a sale?

If you're selling — start with paper value (the floor), then COE remaining, then the buy-vs-renew COE decision. If you're buying — depreciation + the "is this car a good deal" check are the two that matter.

Know the maths? Get the cash number.

Run the calculators, then request an indicative offer. Same business day PayNow settlement if you accept.

Get exact valuation →