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Renovation Budget Calculator (Singapore HDB)

Updated 25 Oct 2026 Reno Cost SG Editorial Team
Short answer

Pick your flat type and status and this tool adds up illustrative, sourced cost ranges — optionally with furniture and a 10–20% buffer — to show a planning budget range. These are compiled industry ranges, not quotes.

On this page3 sections · tap to jump
  1. 01How it is calculated
  2. 02A worked example (illustrative)
  3. 03Limits of this estimate

Choose your flat type and status to see an illustrative renovation budget range, built from the same sourced ranges used across this site — then add furniture and a buffer to get closer to the real cash you need.

Tool

Renovation budget calculator

Flat type
Flat status
Add to the estimate

Illustrative budget range

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    Low end ≈ leaner scope and finishes; high end ≈ more built-ins and premium finishes.

    Estimate only — illustrative ranges, not a quote. See the official figure basis at how we research.

    Based on Qanvast 2026 HDB renovation cost estimates. As of October 2026.

    How it is calculated

    The tool does not invent a number. It looks up a published full-renovation works range for your flat type and status, then adds the two extras you choose:

    • Renovation works — the low–high range for a full renovation (works only, before furniture) from Qanvast’s 2026 HDB renovation cost estimates. Low end ≈ leaner scope and finishes; high end ≈ more built-ins and premium materials.
    • Contingency buffer (optional) — 10% of the low end to 20% of the high end. The 10–20% cushion is the figure industry surveys consistently cite because most homeowners exceed their first budget.
    • Furniture & appliances (optional) — a flat S$10,000–S$30,000, the range quoted separately from renovation works across the cost guides.

    Total low = works low + buffer low + furniture low; total high is the same with the high figures. Every input range is illustrative and dated, not a quotation.

    A worked example (illustrative)

    A 4-room BTO with furniture and the buffer switched on:

    • Works: S$50,000 – S$60,000
    • Buffer (10–20% of works): S$5,000 – S$12,000
    • Furniture & appliances: S$10,000 – S$30,000
    • Illustrative total: S$65,000 – S$102,000

    This is a planning envelope, not a price. A real 4-room BTO that keeps built-ins to the kitchen and master wardrobe can land near the low end; a fully built-out flat with premium surfaces pushes to the high end.

    Limits of this estimate

    • The ranges are compiled industry estimates, not quotes — your actual cost depends on your flat, scope and finish choices.
    • It uses whole-flat ranges, so it will not price a single room; for that, see the room cost guides below.
    • It does not know your flat’s condition. A resale flat may need hacking, rewiring or concrete repair that sits inside, or above, the range.
    • For the official basis and how we compile these figures, see how we research. Always get at least three itemised contractor quotations.

    Sources

    1. Expected Renovation Costs for HDB Flats in 2026 — Qanvast (as of October 2026)
    2. Renovation Cost Calculator (cost by work type) — Qanvast (as of October 2026)