COE Position Calculator

How much COE is left — and what it means for value.

Enter the registration date and COE category. We will show you the COE time remaining, the indicative paper value (PARF + pro-rated COE rebate), and the exit options at COE expiry.

COE registration date

COE category

Indicative current market value (SGD)

COE remaining

9y 6m

COE expiryMar 2027

Short COE zone?No

Max loan tenure*~108 months (or shorter)

Read COE guides

*Most banks require the loan to be fully repaid before the COE expires.

Why COE position matters

In Singapore, the COE is the single largest determinant of a used car's value. Two identical cars with different COE time remaining will trade at materially different prices.

Short COE zone (≤3 years remaining): the cheapest way into a Singapore car. Many first-time buyers and short-term owners stay in this zone. Maximum loan tenure is constrained, exit options (renew, deregister, scrap, export) need to be planned before purchase.

Indicative only. For a real exit-plan conversation, message the Wheeley desk.