COE early renewal calculator
Renewing before your expiry month locks in this month's PQP but forfeits the rest of your current COE. See which way works out cheaper for your car.
What renewing early costs
You don't have to wait for your expiry month to renew. You can renew early and pay the current month's PQP, but the new COE then starts on the 1st of the following month, and whatever is left of your current COE is forfeited. Those days are already paid for, so giving them up is the cost of renewing early.
The calculator values each forfeited day at the PQP for your renewal term divided by the number of days in that term. On the October 2026 Cat A PQP of $128,715, a day of a 10-year COE is worth about $35, so two weeks forfeited cost roughly $493.
What renewing early can save
The PQP is the average of all COE premiums in the previous three calendar months, so it moves a little each month. If next month's PQP is higher, renewing this month locks in the lower figure. The saving is the difference between the two, halved for a 5-year renewal. Renewing early pays off only when that saving is bigger than the value of the days you give up.
Next month's PQP is only fixed once this month's second bidding exercise closes, so before then it is an estimate. Check this month's PQP for every category, and see how to check your COE expiry date.
If you miss the expiry date, LTA allows renewal up to one month after expiry with a late fee of $50 to $250, but the car can't be driven in that month. The 5-year option can be taken only once for Cat A, B and D vehicles; Cat C vehicles can take it again.
Questions
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COE renewal calculator
Your monthly instalment for a COE renewal loan on this month's PQP, for Cat A or B, 5 or 10 years.Get your renewal quote
Tell us your COE category and expiry date. We'll come back with your monthly, your rebate position and the full perk list, same day. No pressure, no obligation.
in bundled perks with every renewal — free vehicle health check, engine + gearbox warranty credit & more. Rate locked for 30 days.