Singapore · Free tool
Singapore Car On-Road Price Calculator
Enter a car’s OMV and a COE premium to get the on-road price — or work backwards from an advertised price and see how much of it is tax. Rates in force in 2026.
Pre-filled with the July 2026, 2nd bidding exercise, which closed 22 July 2026. Premiums change every fortnight — replace this with the exercise your dealer will bid in. Latest results
Results update as you type. Nothing is sent anywhere — the sum runs in your browser.
Enter a figure above. Try an OMV of S$21,505 — LTA’s average for a Toyota Vios Hybrid registered in June 2026 — or switch tabs and enter S$194,888, the price the distributor quoted for it.
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The 2026 ARF bands
The Additional Registration Fee is the largest tax on a Singapore car and the one most often quoted wrongly. The rates below apply to every car registered with a COE obtained from the second bidding exercise of February 2023 onwards, which is to say every new car being sold today. They are marginal: each rate bites only on the slice of OMV inside its band, the way UK income tax works.
| Band of Open Market Value | ARF rate | ARF on a full band |
|---|---|---|
| First S$20,000 | 100% | S$20,000 |
| Next S$20,000 (S$20,001–S$40,000) | 140% | S$28,000 |
| Next S$20,000 (S$40,001–S$60,000) | 190% | S$38,000 |
| Next S$20,000 (S$60,001–S$80,000) | 250% | S$50,000 |
| Above S$80,000 | 320% | — |
Filling all four finite bands — an OMV of S$80,000 — produces S$136,000 of ARF, an effective rate of 170%. Above that, every further dollar of OMV costs S$3.20 in ARF alone, before excise duty and GST.
VES rebates and surcharges for 2026
The Vehicular Emissions Scheme bands a car on the worst of five pollutants — CO₂, hydrocarbons, carbon monoxide, nitrogen oxides and particulate matter — and applies a rebate or surcharge against the ARF. On 1 January 2026 the old A1/A2/B/C1/C2 structure was replaced by A/B/C1/C2/C3, and the rules changed in one way that matters a great deal: only fully electric cars now receive a rebate. Hybrids, which used to earn one, no longer do.
| Band | CO₂ threshold | 2026 | 2027 |
|---|---|---|---|
| A In practice, fully electric cars only | CO₂ ≤ 90 g/km | −S$22,500 | −S$20,000 |
| B Neutral — no rebate, no surcharge | 90 < CO₂ ≤ 120 g/km | — | — |
| C1 Most efficient petrol and petrol-hybrid | 120 < CO₂ ≤ 159 g/km | S$7,500 | S$15,000 |
| C2 Larger petrol SUVs and saloons | 159 < CO₂ ≤ 182 g/km | S$22,500 | S$30,000 |
| C3 Most pollutive — large-engine petrol | CO₂ > 182 g/km | S$35,000 | S$45,000 |
The CO₂ figures above are only the first of the five thresholds; a car can be pushed into a worse band by any one of the other four. Note also that the surcharges roughly double between 2026 and 2027, so a Band C2 SUV bought in January 2027 costs S$7,500 more in VES than the same car bought in December 2026.
Separately, a fully electric car registered during 2026 gets the EV Early Adoption Incentive: 45% off the ARF, capped at S$7,500. That cap was S$15,000 in 2024–25, and the scheme ends entirely on 1 January 2027. Combined with the Band A rebate, an EV registered in 2026 can take up to S$30,000 off its ARF, and there is a S$0 minimum-ARF floor for fully electric cars until 31 December 2027.
Three real Singapore cars, priced out
Every figure in the table below is LTA’s own, taken from its Car Cost Update for cars registered in June 2026: the average OMV, the ARF and duties payable, the COE used, and the price the authorised distributor actually quoted. That last column is the reason this table is worth publishing — it is the only place the dealer’s margin is visible.
| Car | OMV | Tax + COE | LTA basic cost | Quoted price | Margin |
|---|---|---|---|---|---|
| Toyota Vios Hybrid Cat A · Petrol-hybrid, VES Band B — no rebate, no surcharge | S$21,505 | S$155,090 | S$176,595 | S$194,888 | S$18,293 |
| Honda Civic 2.0 e:HEV Cat B · Petrol-hybrid, VES Band B | S$35,555 | S$180,067 | S$215,622 | S$239,999 | S$24,377 |
| BYD Atto 3 Extended Range Cat A · Fully electric — VES Band A rebate plus the EEAI | S$27,952 | S$136,101 | S$164,053 | S$246,888 | S$82,835 |
Take the Vios. LTA assessed its average OMV at S$21,505. Excise duty and GST add S$6,624, ARF adds S$22,107, the registration fee S$350, and the Category A COE from the June 2026 first bidding exercise S$126,009 — a basic cost of S$176,595. Toyota’s authorised distributor quoted S$194,888. So of the price on the windscreen, roughly S$21,500 is the car, S$155,000 is tax and COE, and S$18,300 is the dealer.
The Atto 3 is the more instructive one. Its OMV is higher than the Vios’s and its rebates are worth S$30,000, yet it was quoted S$52,000 dearer. Rebates do not set retail prices; dealers do. This is exactly the gap the calculator above is designed to expose — and the reason it is worth asking a salesman for the OMV before you negotiate rather than after.
What OMV actually is, versus what a dealer quotes
This is the number expats most often misunderstand, because the two figures differ by a factor of eight or nine and nobody explains why.
- OMV is an import value, assessed by Singapore Customs. It is what the car cost to land here: the purchase price, plus freight, insurance and all other sale and delivery charges for bringing it to Singapore. It is not a valuation, not a market price and not negotiable. It is simply the base the taxes are charged on.
- The advertised price is OMV plus five taxes, a COE and a margin. Excise duty, GST, ARF, any VES surcharge, the S$350 registration fee and the quota premium are all fixed by the state. Only the margin is the dealer’s, and only the margin is negotiable.
- Discounting the car does not reduce the tax. ARF, excise duty and GST are all charged on the OMV. A dealer cutting S$5,000 off the price is cutting S$5,000 off their own margin, not off the government’s take. This is why headline discounts in Singapore are so much smaller than in the UK.
- You can look the OMV up. LTA publishes the average OMV for every locally distributed model each month in its Car Cost Update, alongside the ARF, duties, VES banding and the distributor’s quoted price. If a salesman will not tell you the OMV, LTA will.
- Parallel imports can differ. LTA notes that the OMV for cars sold by parallel importers may differ from the authorised distributor’s, because the car was sourced differently. See our parallel import guide.
The February 2026 PARF change, and why it matters to expats
If you deregister a car before it turns ten, you get part of the ARF back as a PARF rebate. For most of the last decade this softened the cost of buying new considerably, and much of the advice written about Singapore car ownership still assumes it. In February 2026 it was cut sharply, and the change is not yet reflected in most of what you will read.
| Age at deregistration | Cars registered 15 February 2023 to 12 February 2026 | Cars registered with COEs from the 2nd February 2026 bidding onwards |
|---|---|---|
| Not more than 5 years | 75% of ARF | 30% of ARF |
| Above 5 but not more than 6 years | 70% of ARF | 25% of ARF |
| Above 6 but not more than 7 years | 65% of ARF | 20% of ARF |
| Above 7 but not more than 8 years | 60% of ARF | 15% of ARF |
| Above 8 but not more than 9 years | 55% of ARF | 10% of ARF |
| Above 9 but not more than 10 years | 50% of ARF | 5% of ARF |
| More than 10 years | Nil | Nil |
| Cap | S$60,000 | S$30,000 |
The right-hand column applies to cars registered with COEs obtained from the second February 2026 bidding exercise onwards, and to COE-exempt cars registered on or after 13 February 2026. The left-hand column still governs cars registered between 15 February 2023 and 12 February 2026 — which is worth knowing when you are valuing a two-year-old used car, because its rebate entitlement is materially better than a new one’s.
For a three-year expat posting the arithmetic has genuinely moved. On the Civic above, ARF is S$41,777: the old schedule would have returned S$31,333 on deregistration inside five years, the new one returns S$12,533. That is roughly S$19,000 of extra cost on a three-year ownership, which is the sort of number that decides a buy-versus-lease question on its own. Run it both ways in the lease-versus-buy calculator before committing.
Frequently asked questions
How do you calculate the on-road price of a car in Singapore?
Start with the Open Market Value assessed by Singapore Customs. Add excise duty at 20% of OMV, then GST at 9% of (OMV plus excise duty). Add the Additional Registration Fee, charged in marginal bands on the OMV: 100% of the first S$20,000, 140% of the next S$20,000, 190% of the next S$20,000, 250% of the next S$20,000 and 320% above S$80,000. Apply any VES rebate or surcharge and, for a fully electric car, the EEAI. Add the S$350 registration fee and the COE quota premium. That total is what LTA calls the basic cost — the dealer’s margin sits on top of it.
What are the current ARF rates in Singapore?
For cars registered with COEs obtained from the second February 2023 bidding exercise onwards, ARF is 100% of the first S$20,000 of OMV, 140% of S$20,001 to S$40,000, 190% of S$40,001 to S$60,000, 250% of S$60,001 to S$80,000 and 320% of anything above S$80,000. The older schedule that charged 140% on the next S$30,000 and 180% above S$50,000 no longer applies to any new registration.
What is OMV and why is it so much lower than the price I am quoted?
The Open Market Value is what the car cost to land in Singapore — purchase price, freight, insurance and delivery charges — as assessed by Singapore Customs. It is the base the taxes are charged on, not the price you pay. A car with an OMV of about S$21,500 can be advertised near S$195,000 once excise duty, GST, ARF, the registration fee, a COE of roughly S$126,000 and the dealer’s margin are stacked on top. LTA publishes the average OMV for every locally distributed model in its monthly Car Cost Update.
How much is COE in Singapore right now?
COE premiums are set by open bidding twice a month, so there is no standing figure. In the July 2026, 2nd bidding exercise (closed 22 July 2026) the quota premium was S$126,000 for Category A, S$129,890 for Category B and S$129,971 for Category E. Always price your car against the exercise your dealer will actually bid in, not against a figure you read somewhere — the calculator above lets you type in your own.
Do I still get most of my ARF back when I sell before ten years?
Not any more. For cars registered with COEs obtained from the second February 2026 bidding exercise onwards, the PARF rebate is 30% of the ARF paid if you deregister within five years, capped at S$30,000, and it tapers to 5% in years nine to ten. The old schedule — 75% of ARF, capped at S$60,000 — still governs cars registered between 15 February 2023 and 12 February 2026. For an expat buying new on a three-year posting, this change materially worsens the buy-versus-lease sum.
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Sources
- ARF bands, excise duty, GST, registration fee, VES, EEAI and PARF — LTA / OneMotoring, Vehicle Tax Structure (page last updated 30 January 2026).
- Per-model OMVs, taxes and distributor prices — LTA Car Cost Update, cars registered June 2026.
- COE quota premiums — LTA COE Bidding Results 2026. Figures quoted are the July 2026, 2nd bidding exercise, closed 22 July 2026.
- VES extension and revised bands — Joint LTA / NEA news release, 8 September 2025.
- Loan-to-value and tenure limits — MAS, Rules for Motor Vehicle Loans.
Rates checked 5 August 2026. COE premiums change every fortnight and the figure pre-filled above is a single dated bidding exercise, not a current price. OMV is assessed by Singapore Customs, not by the dealer’s asking price. Treat this calculator as a planning tool and confirm the OMV and the applicable quota premium before committing to a purchase.