Renovation budget planner

Type in the quotes you have (or your target per item). The planner adds a contingency buffer and shows the total and cost per square foot. Nothing is pre-filled with made-up prices.

Worked example

Illustration only, not price guidance - say your three quotes are hacking S$3,000, carpentry S$12,000 and flooring S$5,000. Subtotal S$20,000, plus a 10% buffer = S$22,000, or S$22.00 per sq ft over 1,000 sq ft.

Illustrative inputs only - not price guidance. The result is computed with the same formula as the calculator.

How it works

Renovation budgets overrun most often on items left out of the first quote: hacking and disposal, electrical points, plumbing changes, and haulage or cleaning at the end. Listing every line, even at S$0, makes gaps obvious when you compare contractors.

A contingency buffer covers surprises such as uneven floors or hidden pipes. The 10% default is only a planning assumption; set your own.

For HDB flats, some works need an HDB renovation permit - check HDB's permit page before work starts - and HDB asks owners to engage a contractor listed in its Directory of Renovation Contractors (DRC). Quotes from GST-registered contractors should state whether prices include 9% GST.

FAQ

Should I include GST?

Yes if your contractor is GST-registered and quotes before GST. Use the GST calculator to add 9%.

How much contingency should I keep?

There is no official figure; many owners keep 10%-15% aside. Adjust it to how much uncertainty is left in your quotes.

Is my data saved?

No. Everything stays in your browser tab and is not sent anywhere.

Sources & rates as of 12 Nov 2026

If an official rate changes, the official page wins. Spotted an outdated figure? This page is reviewed regularly.

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