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Transit pass vs pay-as-you-go

A SimplyGo monthly pass only pays off once you ride enough. Tell us how you get around and we will show whether a pass or paying per ride costs you less each month, plus the trip count where the pass starts to win.

Adult Monthly Concession Pass

Cheapest commute option for your travel pattern, at S$158.00 a month including any Grab or PHV rides. You take about 96 public-transport trips a month; a pass starts to win from roughly 73 trips.

Concession sets your fare discount and which monthly passes apply to your card.

Regular bus boardings on a typical working day, both directions.

trips

Train rides on a typical working day, both directions.

trips

Premium or express bus boardings on a typical working day.

trips

Days you actually commute. Around 22 for a five-day week.

days

Weekend and off-peak public-transport trips outside your commute.

trips

Private-hire and taxi rides you take in a typical month.

rides

What a single private-hire or taxi ride typically costs you.

S$

Monthly cost by option

Pay as you goS$146.16
Adult Monthly Concession Pass (bus + MRT)cheapestS$128.00
Bus-only monthly passS$80.00
Train-only monthly passS$50.00
Public-transport trips per month96
Break-even: trips where a pass starts to win73
Total monthly transport, including Grab or PHVcheapestS$158.00

Sources

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These calculators are free educational tools. They do not require a login and they do not constitute financial advice or a recommendation. Results are illustrative projections based on the inputs you provide and on current MAS, CPF Board, and IRAS parameters, which are reviewed periodically. ConSol generates educational financial roadmaps; all recommendations require review by our licensed advisory team. Vasper Financial operates as an objective advisory, not tied to any single insurer or institution.