Monthly Transport Comparison with Concession

 

📊 Table 1: Monthly Transport Cost Comparison (Adult Commuter)

Assumptions (realistic Singapore scenario):

• Average fare per trip: $1.80

• Daily commuting + errands + weekends

• About 65–70 trips per month

Travel Method	Trips / Month	Cost Per Trip	Monthly Cost
Pay-per-ride	66 trips	$1.80	$118.80
Pay-per-ride (heavier use)	72 trips	$1.80	$129.60
Monthly Travel Pass (2026)	Unlimited	Fixed	$122.00

👉 Insight:

• Light users break even

• Moderate-to-heavy users start saving immediately

• Any extra trip beyond break-even is effectively free

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📊 Table 2: Annual Cost Comparison (Adult)

Travel Method	Monthly Cost	Annual Cost
Pay-per-ride (avg $130/month)	$130	$1,560
Monthly Travel Pass (2025)	$128	$1,536
Monthly Travel Pass (2026)	$122	$1,464

💡 Annual Savings (2026 vs Pay-per-ride):

$96 per year

That’s:

• 2–3 family meals

• A utilities bill

• A week of groceries

Small savings, repeated every year, compound quietly.

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📉 Chart 1: Break-Even Point (Trips per Month)

(You can present this as a simple visual or explanation in text)

Monthly Cost ($)
140 |                         Pay-per-ride
130 |                        /
120 |-----------------------/---- Monthly Pass ($122)
110 |                      /
100 |                     /
     -----------------------------------------
       40   50   60   70   80   Trips per Month

📌 Break-even point:

• Around 68 trips per month

• Roughly 3 trips per weekday + weekends

Most working adults cross this without realising.

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📊 Table 3: Concession Pass Savings (2025 vs 2026)

Seniors / Persons with Disabilities

Year	Monthly Pass	Annual Cost
2025	$58	$696
2026	$55	$660

Annual savings: $36

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Workfare Transport Concession

Year	Monthly Pass	Annual Cost
2025	$96	$1,152
2026	$92	$1,104

Annual savings: $48

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📊 Table 4: Who Benefits Most from Monthly Passes

Profile	Trips per Month	Best Option
Work-from-home (3 days)	<45	Pay-per-ride
Office worker (daily)	60–70	Monthly pass
Parent with children	70+	Monthly pass
Senior (daily outings)	Unlimited	Concession pass

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📈 Chart 2: Cost Predictability Over Time

Cost
150 | Pay-per-ride (fluctuates)
140 |   /\    /\     /\ 
130 |  /  \  /  \   /  \
120 |---------------------- Monthly Pass
110 |
     -----------------------------------
         Jan   Apr   Jul   Oct   Dec

Why this matters:

• Monthly passes flatten cost spikes

• Easier budgeting

• No “surprise” transport overspending

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✍️ Blog Insert Paragraph (You Can Copy-Paste)

When I started tracking my transport spending monthly, I realised something uncomfortable: my so-called “cheap” pay-per-ride habit was quietly creeping past the cost of a monthly pass. Once work, errands, and weekend family trips were added in, the numbers no longer lied. The monthly travel pass did not just cap my spending — it gave me mental freedom. I stopped counting stops, stopped avoiding short trips, and started moving more efficiently in daily life.

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✅ Final Takeaway (With Numbers)

• Monthly pass = financial cap + mental clarity

• 2026 prices improve value, not reduce it

• Savings may look small monthly, but compound yearly

• Best suited for anyone who treats public transport as a daily utility