Tools

Two calculators designed to keep comparisons consistent: lock assumptions → compute → verify in writing. Educational only. Not financial advice.

Monthly paymentTotal costLast updated: 2026-03-09
Monthly Payment CalculatorAPR / Flat

Estimate monthly payment, total interest, and total payment (APR or flat rate). Includes a schedule preview.

Inputs

Use your currency consistently (SGD recommended).
Loan amount defaults to price − down payment.
If you edit this, it overrides price − down payment.
Common tenures: 36 / 48 / 60 / 72 months.
Definitions vary by provider—verify how your offer defines "rate".
Example: 2.88 means 2.88% per year.
Included in total payment, not monthly payment.
Does not affect calculations; used in outputs.
Auto: loan = price − down payment
Disclaimer: Educational estimate only. Provider schedules may differ due to rounding, fee inclusion, rate definitions, insurance bundles, and contract terms. Always confirm in writing.

Results

Monthly payment (est.)
—
Based on selected mode and assumptions.
Total interest (est.)
—
APR: amortized; Flat: simplified.
Total payment (est.)
—
Includes one-off fees (if any).

Amortization preview

Preview first 12 periods by default. Toggle to show all periods.

#PaymentInterestPrincipalBalance
Run a calculation to see schedule.
Last updated: 2026-03-09
Compare homeGuide: compare fairlyNext: total cost
Total Cost CalculatorPrincipal + Interest + Fees

Estimate total cost using a same-lens breakdown: principal + interest + fees + optional penalty. Includes an "effective cost score".

Inputs

Use your currency consistently (SGD recommended).
Common tenures: 36 / 48 / 60 / 72 months.
Definitions vary by provider—verify how your offer defines "rate".
Example: 2.88 means 2.88% per year.
Admin fees, processing fees, etc.
If any monthly service fee exists, add it here.
e.g., early redemption penalty (if you choose to model it).
Does not affect calculations; used in outputs.
Lens: total cost breakdown
Disclaimer: Educational estimate only. Total cost depends on contract terms, fee definitions, rounding, and penalties. Always confirm in writing.

Results

Total cost (est.)
—
Principal + interest + fees + penalty.
Total interest (est.)
—
APR: amortized; Flat: simplified.
Effective cost score
—
totalCost ÷ loanAmount.

Cost breakdown (estimate)

Use this table for transparent comparisons (same-lens).

ComponentAmountNotes
Run a calculation to see breakdown.
Last updated: 2026-03-09
Compare homeBack: monthly paymentGuide: compare fairly