PARF & COE rebate calculator
What you would get back if you deregistered your car instead of renewing the COE. Covers all three of LTA's PARF schedules, including the Budget 2026 change.
How the PARF rebate is worked out
The PARF rebate is a percentage of the Additional Registration Fee (ARF) paid when the car was first registered. The percentage depends on the car's age on the day you deregister it and on which schedule applies to its COE. The schedule follows the bidding exercise the COE came from, not the registration date, so a car registered between February and August 2023 or 2026 can sit on either side of a change.
| Age at deregistration | COE before 2nd Feb 2023 exercise | 2nd Feb 2023 to 1st Feb 2026 | 2nd Feb 2026 onwards |
|---|---|---|---|
| Up to 5 years | 75% | 75% | 30% |
| Over 5, up to 6 | 70% | 70% | 25% |
| Over 6, up to 7 | 65% | 65% | 20% |
| Over 7, up to 8 | 60% | 60% | 15% |
| Over 8, up to 9 | 55% | 55% | 10% |
| Over 9, up to 10 | 50% | 50% | 5% |
| Over 10 | None | None | None |
| Cap | No cap | $60,000 | $30,000 |
How the COE rebate is worked out
The COE rebate pays back the unused part of the COE: the premium you paid, times the months left, divided by the months in the COE term (120 for a 10-year COE, 60 for a 5-year renewal). LTA counts whole months and then any leftover days at 30 days to a month. This calculator works in whole months, so treat the result as an estimate.
What renewing does to your rebates
A renewed car will be over 10 years old whenever it is deregistered, so the PARF rebate goes. Besides the PQP, that is the main thing renewing costs you. If you deregister a renewed car before the renewed COE runs out, the COE rebate is worked out on the PQP you paid for the renewal. Tick "already renewed" above to see that figure.
To weigh the rebate against keeping the car, try the renew or replace calculator or read PARF and COE rebates, explained.
This calculator gives an estimate. Your exact ARF, COE premium and rebate are on OneMotoring, through Enquire Vehicle Details or the rebate enquiry e-service.
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Your Money Back
PARF & COE rebates, explained simply
What the PARF and COE rebates are, who qualifies, how they're worked out, and exactly what you forfeit if you renew… The Big Decision
The Big Decision
Renew your COE, or scrap the car?
Renew your COE or deregister and take the rebate? What each path costs, the PARF rebate you forfeit by renewing, and… Calculator
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Renew or replace calculator
The yearly cost of keeping your car on a renewed COE, set against buying another car.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.