COE Renew vs Replace Calculator (Singapore, 2026)

Planning model to compare renewing your current car’s COE vs replacing with another car over the same holding period. This is cost-only (not comfort/peace-of-mind). Real outcomes depend on breakdown risk and resale markets.

Inputs

Holding period (years)

Base running costs (insurance/road tax/parking/fuel, SGD/year)

COE renewal premium (SGD)

Expected resale at end if you renew (SGD)

Extra maintenance risk if you renew (SGD/year)

One‑off repair buffer (renew, SGD)

Replacement car on‑road price (SGD)

Expected resale at end (replacement, SGD)

Running cost difference (replacement − current, SGD/year)

Upfront fees (loan/transfer/inspection, SGD)

Downpayment (% of replacement price)

Loan effective APR (%/year)

If you’re paying cash for the replacement car, set downpayment to 100%.

Results

Renew: monthly equivalent

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all-in over holding period

Replace: monthly equivalent

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all-in over holding period

Cheaper option

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Assumed loan monthly (replacement)

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for planning only

Component	Renew (SGD)	Replace (SGD)
Enter inputs and click Calculate.

Next steps

COE renew vs replace guide (framework + traps)
All‑in monthly ownership cost calculator
Transport financing hub