COE & PARF Rebate Calculator Singapore 2026
Find your car’s PARF rebate and unexpired COE rebate before you deregister — free calculator with real-time results in SGD.
Vehicle & COE Details
Understanding COE and PARF Rebates for Singapore Car Owners
Every Certificate of Entitlement (COE) in Singapore is a 10-year right to own and use a vehicle, issued by the Land Transport Authority (LTA). When you deregister your car before its COE expires, you can claim back two things: a PARF (Preferential Additional Registration Fee) rebate on the Additional Registration Fee (ARF) you paid at registration, and a COE rebate for the unused portion of your COE. Together, these determine your car’s deregistration value — the single biggest factor in how much your next car actually costs after trading in the old one.
Not financial advice. All figures are for educational reference only. Rebate rates as at Q3 2026 per LTA’s published schedule.
Why This Matters for Your Car Budget
Singapore’s Additional Registration Fee and COE premium can together exceed the value of the car itself. Knowing your PARF and COE rebate in advance helps you plan whether to deregister early, renew your COE for another 5 or 10 years, or time your sale to maximise the rebate you get back — money that directly offsets your next vehicle purchase.
PARF vs COE Rebate — the Key Difference
PARF rebate is a percentage of your ARF paid, and it only applies if you deregister before the car turns 10 years old and you haven’t renewed the COE. COE rebate, on the other hand, is available any time you deregister with COE months remaining — even on a renewed COE — but PARF eligibility is lost the moment you renew.
How to Use This COE & PARF Rebate Calculator
- Registration Date: Enter the date your vehicle was first registered (check your logbook or LTA OneMotoring).
- COE Expiry Date: Enter your current COE’s expiry date — normally 10 years from registration unless you’ve renewed.
- Planned Deregistration Date: Defaults to today. Change it to test different deregistration timings.
- ARF Paid & COE Amount Paid: Enter what you actually paid — found on your Vehicle Registration Certificate or LTA statement.
- Current PQP (optional): If you want the COE rebate capped at today’s Prevailing Quota Premium (the LTA rule that applies), enter it here.
The calculator instantly shows your vehicle’s age at deregistration, PARF rebate rate and amount, unexpired COE in months, COE rebate, and total deregistration value in SGD.
Pro tip: Combine this with our Car Loan Calculator to see how your deregistration payout reduces the loan you need for your next car.
What Are PARF and COE Rebates?
PARF stands for Preferential Additional Registration Fee. When you register a car in Singapore, you pay ARF — a tax calculated as a percentage of the car’s Open Market Value (OMV) — on top of the COE premium. If your car is in a PARF-eligible category (most passenger cars under 10 years old that haven’t had their COE renewed), LTA refunds a portion of that ARF when you deregister the vehicle. Separately, if your COE still has unexpired months left when you deregister, LTA also refunds a pro-rated portion of the COE premium you paid — this is the COE rebate. Together, PARF rebate plus COE rebate equals your car’s total deregistration value, which is typically paid out by your dealer or scrap yard as part of a trade-in.
How the Rebates Are Calculated
PARF rebate is a sliding percentage of your ARF paid, based on the vehicle’s age at deregistration: 75% if deregistered within 5 years, stepping down by 5 percentage points each year to 50% at 9–10 years, and 0% once the car passes 10 years old. For example, a car with S$20,000 ARF deregistered at 4 years old gets a 75% PARF rebate — S$15,000. COE rebate uses the formula: (unexpired COE days ÷ 3,650 days) × the lower of your COE paid or the Prevailing Quota Premium (PQP) at the time of deregistration. A car with 4 years (about 1,460 days) of unexpired COE and S$90,000 COE paid gets roughly S$36,000 back, assuming no PQP cap applies.
Renewing vs Deregistering Your COE
At the 10-year mark, owners face a choice: deregister the car and claim PARF plus any remaining COE rebate, or renew the COE for another 5 or 10 years at the Prevailing Quota Premium. Renewing forfeits your PARF rebate permanently — even if you deregister the following year, you get 0% PARF. Renewal only makes sense if the car is in excellent condition and the PQP is meaningfully below current open COE prices, since you’re locking in today’s PQP rate for years ahead.
| Age at Deregistration | PARF Rebate (% of ARF) |
|---|---|
| Up to 5 years | 75% |
| 5–6 years | 70% |
| 6–7 years | 65% |
| 7–8 years | 60% |
| 8–9 years | 55% |
| 9–10 years | 50% |
| Over 10 years / renewed COE | 0% |
Where to Check Your Rebate and Sell Your Car
LTA’s OneMotoring portal shows your vehicle’s exact ARF paid, COE expiry date, and an official rebate enquiry tool — always cross-check your numbers there before finalising a sale. Once you know your deregistration value, most owners either trade in through a dealer (convenient but usually a lower payout) or sell directly to a scrap or export dealer for a higher cash payout. If you’re financing your next car, our Car Loan Calculator lets you see how your rebate reduces the loan principal you’ll need, and our Personal Loan Calculator is useful if you’re bridging the gap with unsecured credit instead.
LTA Rules Every Car Owner Should Know
PARF eligibility only applies to Category A and B cars, taxis, and goods vehicles under specific conditions — not all vehicle types qualify, so check LTA’s category rules if you’re unsure. COE rebate calculations changed over the years as LTA refined the PQP-capping mechanism, so always verify the current formula on LTA’s website rather than relying solely on estimates. Also note that deregistration value is separate from CPF — unlike property, there’s no CPF refund mechanism tied to car ownership, so any rebate goes straight to you (or is used to offset your next purchase) rather than back into your CPF accounts.
Turning Your Rebate Into a Head Start on Retirement Savings
A car is a depreciating liability, not an income-generating asset — so a large PARF and COE rebate is a rare windfall worth allocating deliberately rather than immediately sinking into a pricier next car. Many Singaporean investors use part of their deregistration payout to top up their SRS account for tax relief, or channel it into a S-REIT or dividend portfolio for passive income instead of a bigger car loan. Run the numbers through our Retirement Planning Calculator to see what a one-off S$20,000–S$40,000 rebate could grow into by retirement age, and read our Passive Income Guide for ideas on where to park it.
Frequently Asked Questions
What is a good PARF rebate percentage in Singapore?
PARF rebate is fixed by LTA’s age-based schedule, not something you can improve — 75% is the maximum, given for cars deregistered within 5 years of registration. It steps down 5 percentage points every year after that, reaching 0% once the car passes 10 years old or has had its COE renewed.
Is it better to renew my COE or deregister at 10 years?
It depends on your car’s condition and the current PQP versus open COE prices. Renewing forfeits your PARF rebate for good, so it only makes financial sense if your car is well-maintained and the PQP is meaningfully cheaper than buying a new COE outright.
How much will I get back if I deregister my car early?
Use the calculator above with your actual ARF paid, COE paid, and dates — a typical mid-sized car deregistered at 4–5 years with 5 years of COE remaining can see a combined PARF and COE rebate of S$40,000–S$60,000, depending on the original ARF and COE premium paid.
What is the difference between PARF rebate and COE rebate?
PARF rebate refunds a percentage of your Additional Registration Fee and only applies to eligible, non-renewed COE cars under 10 years old. COE rebate refunds the unused portion of your COE premium and applies any time you deregister with COE months remaining, including on a renewed COE.
How much of my COE premium should I expect back if I deregister early?
Roughly proportional to the unexpired COE period — if you deregister with 5 years (half) of a 10-year COE remaining, you’ll get back close to half your COE premium paid, subject to the Prevailing Quota Premium cap if it applies.
Which platform is best for selling a deregistered car in Singapore?
Dealers offer convenience through trade-ins but typically pay less; direct sales to scrap or export dealers, or listing on platforms like sgCarMart, often net a higher payout since you’re not paying a dealer margin. Compare a few quotes before committing.
Can I use CPF for COE or PARF payments in Singapore?
No — CPF funds cannot be used to pay for COE, ARF, or any vehicle-related costs in Singapore. Car purchases and rebates are entirely separate from your CPF accounts, unlike housing which allows CPF use.
What PQP figure should I use in this calculator for Singapore?
Use the latest Category A or B Prevailing Quota Premium published by LTA for the bidding exercise closest to your planned deregistration date — these are released twice monthly and available on LTA’s OneMotoring website. Leave it at 0 if you just want your COE rebate uncapped.
Does a large COE rebate affect my retirement planning in Singapore?
It can be a meaningful one-off boost — redirecting even S$20,000–S$30,000 of a rebate into SRS, S-REITs, or a diversified ETF portfolio instead of a bigger next car can materially move your retirement number, especially when compounded over a decade or more.
Plan What Comes Next
Turn your COE rebate into a head start on your financial goals. Use our free tools and referral bonuses to put your knowledge into action.