Calculates monthly instalments and total cost for a car hire-purchase loan in Singapore, based on flat interest rate and MAS financing rules.
What is road tax in Singapore?
Road tax is a charge that every vehicle registered in Singapore must pay to keep using public roads. It is collected by the Land Transport Authority (LTA) and must be valid at all times while the vehicle is on the road. You can pay it for 12 months or, for most vehicles, for 6 months. Driving without valid road tax is an offence, so it is worth knowing the amount before you renew, buy or sell a car.
How the calculator works
The amount depends on four things: the type of vehicle and fuel, the engine capacity (for petrol cars), the age of the vehicle and the period you choose.
- Annual base tax. For a petrol car, LTA applies a schedule that starts at SGD 400 for engines up to 600 cc and adds a rate for each cc above that. The rate rises by band, so larger engines pay progressively more per cc. The result of the schedule is then multiplied by the statutory factor of 0.782.
- Age surcharge. Once a vehicle is more than 10 years old, a surcharge is added to the annual tax. In this calculator it grows by 10% for each further year, up to 50%.
- Period. A 12-month payment is the full annual amount. A 6-month payment is 50% of the annual tax plus a 10% surcharge on that half-year amount, which is 55% of the annual tax.
Petrol car schedule (before the 0.782 factor)
| Engine capacity | Schedule amount |
|---|---|
| Up to 600 cc | SGD 400 |
| 601 – 1,000 cc | SGD 400 + 0.25 per cc above 600 |
| 1,001 – 1,600 cc | SGD 500 + 0.75 per cc above 1,000 |
| 1,601 – 3,000 cc | SGD 950 + 1.50 per cc above 1,600 |
| Above 3,000 cc | SGD 3,050 + 2.00 per cc above 3,000 |
The annual road tax of a petrol car is the schedule amount multiplied by 0.782.
Diesel, electric and hybrid vehicles
These vehicles follow different schedules. Electric vehicles, for example, are taxed according to their maximum power in kW rather than engine capacity. Because those schedules change and cannot be reproduced reliably here, the calculator asks you to enter the annual road tax LTA shows for your vehicle. It then adds the age surcharge and applies the 6- or 12-month period for you.
Worked example
Take a petrol car of 1,598 cc registered in March 2020, with road tax starting on 1 November 2026 for 12 months. The first 600 cc cost SGD 400 in the schedule. The next 400 cc, up to 1,000 cc, add SGD 100. The remaining 598 cc add SGD 448.50 (598 × 0.75). The schedule amount is SGD 948.50, and multiplied by 0.782 the annual tax is about SGD 741.73. The car is under 7 years old, so there is no surcharge, and the 12-month road tax is SGD 741.73.
Now take a 1,998 cc petrol car registered in May 2013, renewed for 6 months from 1 November 2026. The schedule amount is SGD 400 + 100 + 450 + 597 = SGD 1,547, so the annual base is about SGD 1,209.75 after the 0.782 factor. The car is about 13.5 years old, so a 40% surcharge (about SGD 483.90) applies, bringing the annual figure to about SGD 1,693.65. For 6 months the payment is 55% of that, about SGD 931.51.
Common situations
- Renewing an older car. Each extra year after the tenth adds to the surcharge, so the tax rises noticeably until the cap is reached.
- Choosing 6 or 12 months. Paying for 12 months is cheaper over the year; 6 months helps cash flow or when you plan to scrap the car.
- Buying or selling a used car. Road tax stays with the vehicle, and any balance is not refunded automatically on transfer. Sellers and buyers often agree an adjustment to the price for the unused months.
- Switching to an electric vehicle. Look up the annual figure for your model on LTA OneMotoring and enter it in the calculator.
What to prepare next
If you are buying or selling the vehicle, put the agreed price, including any road tax adjustment, in a written Vehicle Sale Agreement. After the sale, the ownership change is notified to the authorities with a Notice of Transfer of Vehicle Ownership. If the car is bought on instalments, a Hire Purchase Agreement for Motor Vehicle sets out the financing terms.
Treat the result as an estimate and check the final figure with LTA before paying, because rates and surcharge bands can be updated.