Cars

COE Renewal vs Replace Car Calculator

Compare four paths from the same current vehicle value, debt and decision horizon. The calculator keeps PQP, renewal timing, lender terms, running costs, resale, deregistration receipts and no-car transport explicit, then reconciles both cash flow and economic cost without double counting paper value.

✓ Results shown free✓ Dated source references✓ General information only

LTA · OneMotoring · MAS · PTC · methodology v1.1.0 · rules checked 9 Sep 2026

Compare renewing this car for five years, renewing for ten years, replacing it and giving it up from one starting value, debt position and dated horizon. PQP, lender terms, running costs and future values remain explicit inputs.

Dated sourcesLTA / OneMotoringMASPTC / SimplyGoUser inputs

1Common starting point and disposal

Current market value, debt, settlement and deregistration receipts stay separate. Blank is unknown; enter 0 only when zero is confirmed.

Scenario name (optional)Decision dateCommon horizon (years)yearsCurrent car registration dateCurrent COE expiry dateCurrent COE categoryCurrent COE historyCurrent vehicle value for opening equityS$Expected current-car market sale proceedsS$Current loan balanceS$Current monthly instalmentS$Current loan months remainingmonthsCurrent loan balance at horizon if not maturedS$Settlement basisSettlement / payoff amount at disposalS$Settlement fee not already includedS$Settlement quote / estimate dateCurrent car disposal method

2Renewal date, PQP and finance

PQP is not an auction premium. Early, expiry-month and late renewal receive different dated treatment.

Renew 5 yearsRenew 10 years

Intended renewal dateApplicable PQP / future assumptionS$Applicable PQP monthPQP categoryPQP data basisPQP source date (optional)PQP verification dateLate renewal feeS$

Five-year payment is 50% of applicable PQP rounded up to a dollar; ten-year payment is full PQP.

Renew 5 years

Five-year renewal payment methodFive-year low terminal value / saleS$Five-year base terminal value / saleS$Five-year high terminal value / saleS$Five-year horizon terminal treatmentAfter five-year renewal expires

Renew 10 years

Ten-year renewal payment methodTen-year low terminal value / saleS$Ten-year base terminal value / saleS$Ten-year high terminal value / saleS$Ten-year horizon terminal treatmentAfter ten-year renewal expires

3Current-car running costs

Choose one combined total or separate components. The assisted road-tax mode changes only the verified age surcharge on your confirmed base road tax.

Running-cost input methodCombined annual running costS$

4Replacement path

Enter an all-in new, used or COE-renewed replacement; the calculator never guesses a price from a vehicle name.

Replace car

Replacement vehicle typeReplacement timingIntended replacement dateReplacement registration dateReplacement all-in purchase priceS$Replacement OMVS$Replacement loan proceedsS$Replacement upfront feesS$Replacement upfront cash (price + fees − loan)S$Replacement purchase / loan quote dateReplacement monthly paymentS$Replacement loan monthsmonthsReplacement terminal debtS$Replacement annual running costS$Replacement low terminal value / saleS$Replacement base terminal value / saleS$Replacement high terminal value / saleS$Known replacement COE validity (months)monthsReplacement continuation beyond COEReplacement horizon terminal treatment

5Give-up-car path

Enter household monthly public transport, generic ride-hailing, car sharing/rental and other transport for the full horizon, or review a Tool 5 import.

Give up car

Public transport per monthS$Generic ride-hailing / taxi per monthS$Car sharing / rental per monthS$Other transport per monthS$TravellerspeopleNo-car cost basisOptional annual return assumption%

Calculated in your browser. Do not enter a plate number, VIN, address, lender name, insurer name or free text. Planned renewal and replacement values never become current profile facts.

Data provenance

Every path uses net cash outflow + opening vehicle equity − closing vehicle equity. Historical purchase price is sunk; market sale and deregistration are exclusive; loans stop at maturity; running costs continue.

Live API referencePackaged fallback

MAS — Motor Vehicle Loans2026-09-05
MoneySense — Flat Rate, Monthly Rest and Effective Interest Rate2026-09-05
MoneySense — Buying a Property: How Much Can You Afford?2026-09-05
OneMotoring — Vehicle Tax Structure2026-09-11
OneMotoring — PARF/COE Rebate2026-09-05
OneMotoring — COE Renewal and Prevailing Quota Premium2026-09-09
OneMotoring — Road Tax and Age Surcharge2026-09-11
OneMotoring — Vehicular Emissions Scheme2026-09-10
LTA / NEA — Extension of VES and EEAI2026-09-10
EMA — Buying Electricity at the Regulated Tariff2026-09-11
LTA — Revision to PARF Rebate Schedule and Cap2026-09-05
data.gov.sg — COE Bidding Results2026-09-05
Public Transport Council — Fares and passes2026-09-08
SimplyGo — Adult Monthly Travel Pass2026-09-08
GIA — No Claims Discount2026-09-11
GIA — Dos and Don’ts Following an Accident2026-09-11
GIA — Motor Claims Framework2026-09-11

Frequently asked questions

Is a current COE auction premium the PQP?

No. PQP is the applicable three-month moving-average amount for renewal. Enter or verify it separately.

Does market sale receive PARF again?

No. An entered market sale is treated as inclusive. PARF, COE rebate and body/export value are added only for the separate deregistration method.

Does this tell me which path to choose?

No. It identifies the lower modelled cost under the assumptions you entered and keeps incomplete paths out of ranking.

General information only. Results are arithmetic under your inputs—not a recommendation, valuation, lender quote, reliability forecast or prediction of PQP, maintenance, resale or returns.

Clear outputs

What this tool will show

Each result stays connected to the inputs and rules used.

01Five-year renewal, ten-year renewal, replacement and no-car path comparison
02Decision-date cash, recurring cash, annual ledger and finance-maturity timeline
03Economic-cost reconciliation using common opening and closing vehicle equity
04Maintenance break-even, resale sensitivity and optional opportunity-cost projection
05Dated source provenance, assumptions and connected hand-offs to Car Tools 1–5

Transparency standard

The workings stay visible from day one.

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Official rules

Applied parameters include a source and verification date.

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Assumptions

User inputs and defaults are clearly separated.

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Limits

Scope and exclusions appear beside the result.

Read the full methodology→

interest.sg provides general information, dated reference data and calculation tools. Results are estimates—not financial, investment, legal, tax, property, valuation, CPF, HDB, lending, insurance or protection advice. Verify material decisions with the relevant authority or a qualified professional.

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COE Renewal vs Replace Car Calculator

Data provenance

Frequently asked questions

What this tool will show

The workings stay visible from day one.

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