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How Much Will My Renovation Cost?

Renovation Cost Calculator

Pick your home, scope and who manages the work. See a typical cost range, when to pay, and the cost of a loan against cash.

New to this? Read The Short Guide First →

Page updated · Rules checked 28 October 2026

1 Your Numbers

Your Home

Resale adds hacking, rewiring and plumbing.

Our assumption: light is 80% and extensive 120% of the standard range.

What You Will Renovate

Untick what you will skip. Shares of a typical budget.

Who Does The Work

Our placeholder. No official figure exists, so ask for quotes.

CPF suggests at least 10% extra for surprises such as wiring and plumbing.

How You Pay

Banks often cap a renovation loan at 6 times monthly income or S$30,000, whichever is lower. Your bank decides.

Blank uses the lower of the typical cap and your cost.

Typical quotes are about 4% to 6%. Many banks quote a flat rate, which is about double this.

Payment Schedule (Optional)

Avoid paying more than half upfront.

The three parts must add up to 100%.

We work this out in your browser.

2 Your Result

Your renovation could cost about

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Low End
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High End
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With Safety Buffer
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Of Which Resale Works
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Designer Fee Included
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Your Payment Plan
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When To Pay

    Loan Or Cash?

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    A result link includes the numbers you entered. Only share it with people you trust.

    3 What Next

    Before we get the keys, let’s check the next number.

    Step 7 of 9 · Buy A HomeHow Much Will Our Wedding, Reno And BTO Cost?Wedding + Reno + BTO Planner →Read The GuideHow Much Does A Renovation Cost In Singapore? →
    What This Estimate Assumes

    Typical market ranges, not quotes. Each range is the average of 2026 published guides from Qanvast, ShopBack and SmartCalculator.sg for your home type, read on 28 October 2026. Newer flats and standard scope are the base. Light and extensive scope (80% and 120%), the designer mark-up, the safety buffer and the payment split are our editable assumptions. Items you skip are taken off by their typical share of a budget. Furniture, white goods and moving are not included. Renovation loan caps and rates are bank practice, not an MAS rule; we use the effective rate, so a flat rate quote needs converting. Your contractor’s itemised quotes decide the real cost. General information and estimates only, not financial, tax or legal advice.

    Before You Use This Number

    Why Do Renovation Costs Vary So Much?

    Scope, finishes, flat size and whether the flat is new or resale all move the price. Resale flats often need hacking, rewiring and plumbing, so they cost more. Published guides disagree, so we average several and show a range.

    How Much Should I Pay As A Deposit?

    As little as possible, with the rest tied to finished stages. Some guides suggest around 10% on signing. Be wary of any deposit above half the cost.

    Can I Use CPF For Renovation?

    We treat renovation as a cash cost. CPF pays for the home, stamp duty and legal fees. Check with CPF and your bank before relying on it.