SGTools · COE Reality Check

Inputs · Buy New

Car category

OMV preset (quick select)

OMV (SGD) ?

Preset values are convenience defaults only (not official LTA values). You can edit OMV directly.

COE price (SGD)

Manual input

Engine capacity (cc)

Engine CC is used for road-tax calculation only. COE category comes from your Cat A/B/E selection.

Monthly fuel/charging (SGD)

Driver age bracket

Inputs · Renew COE

ARF paid (SGD) ?

Car age (years)

Renewal period

PQP (SGD) ?

Results · Buy New

Total on-road cost

Monthly true cost

Annual depreciation

10-year breakdown	Amount

Insurance range: -

COE renewal cost

PARF forfeited

Comparison	Amount

Recommendation

Legend (Renew COE terms)

PQP: Prevailing Quota Premium used to compute COE renewal cost.

Renewal cost: 10-year renewal = 100% of PQP, 5-year renewal = 50% of PQP.

PARF forfeited: Rebate you give up when renewing instead of deregistering before 10 years.

Renew total (simple): Renewal cost + PARF forfeited.

Buy new total (10y): Estimated 10-year ownership cost from Buy New mode assumptions.

Difference: Buy new total − Renew total; positive means renew is cheaper.

Break-even (years): Renew total divided by buy-new annualized cost (directional estimate).

🔄 What if Cat A/B merge?

LTA is reviewing merging Categories A & B after premiums converged (Mar 4, 2026).

Disclaimer

This calculator is for educational and informational purposes only, and does not constitute financial, legal, or regulatory advice. Figures are estimates based on user inputs and simplified assumptions. Always verify with official LTA / OneMotoring sources and your dealer/insurer before making decisions.