LayeredOnline renovation budget planner
Split your budget by category, line up quotes from up to three firms, add a buffer and GST, and see at once whether you are within your ceiling. It is the online version of our Excel planner. Your figures stay in your browser and are never sent to us.
| Category (S$) | Planned | Quote A | Quote B | Quote C | Chosen | Actual spent |
|---|---|---|---|---|---|---|
| Hacking and disposal | ||||||
| Carpentry and built-ins (wardrobes, cabinets) | ||||||
| Flooring and tiling | ||||||
| Kitchen (wet works, counters, fittings) | ||||||
| Bathrooms (wet works, fittings, screens) | ||||||
| Electrical and rewiring | ||||||
| Plumbing | ||||||
| False ceiling and lighting | ||||||
| Painting | ||||||
| Doors, gates and windows | ||||||
| Aircon installation | ||||||
| Design, project management and permits | ||||||
| Other renovation works |
Outside the renovation contract
Things people forget. List them here so they do not quietly raid the renovation budget.
| Item (S$) | Planned | Actual spent |
|---|---|---|
| Furniture (sofa, dining table, beds) | ||
| Appliances (fridge, washer, hob and hood if not in contract) | ||
| Curtains and blinds | ||
| Lighting fittings bought separately | ||
| Moving | ||
| Post-renovation cleaning | ||
| Renovation insurance (if not in contract) | ||
| Other |
How to use it
Start with your ceiling, the most you will spend, then split it across categories in Planned. Need a starting point? The itemised estimator and cost calculator give indicative 2026 ranges you can adjust.
When quotes arrive, enter each firm's price per category in Quote A, B and C, then put your pick in Chosen. During the works, record real payments in Actual spent after each stage. Always compare itemised quotations on the same scope.
Prefer a spreadsheet? Download the Excel planner. This planner is general information, not financial or professional advice.
Frequently asked questions
Is my budget saved or sent anywhere?
No. Everything you type stays in your browser on this device (it is saved there so you can come back later). Nothing is sent to Layered or to any designer. Use "Clear everything" to wipe it.
Does the planner include prices?
No. You type in your own figures and quotes. For indicative 2026 ranges, use the cost calculator or the itemised estimator, then copy the numbers you trust into the Planned column.
How much buffer should I keep?
A buffer of 10% to 15% is commonly recommended, and resale homes often need more because problems appear once finishes come off. Treat the buffer as spent only when a change is agreed in writing.
Which GST setting should I choose?
GST-registered firms charge GST (9% in 2026; check the current rate with IRAS). Tick "my figures already include GST" if your quotes are GST-inclusive, otherwise the planner adds it for you.
Can I take it with me?
Use Print or save as PDF for a copy, or download the Excel planner from the resources page if you prefer to work in a spreadsheet.
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