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.
Type any prefix and number — the checksum letter updates instantly using LTA's official algorithm.
Open the full checksum tool →Four tools. Four expensive questions answered.
Each one handles a specific Singapore-only calculation that generic calculators get wrong.
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 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 Cars Club 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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