1. Renovation quotation
Enter GST-inclusive amounts. Edit the example labels to match your contractor's quotation.
2. Furniture, appliances & other costs
Keep movable purchases separate from renovation works for a clearer budget.
3. Cash & renovation loan
Retaining a cash buffer helps prevent the renovation from consuming all your liquid savings.
How the budget is calculated
A contingency is an allowance for unexpected works, price variations or overlooked items. It is not an amount you must spend.
Before taking a renovation loan
Compare the lender's effective interest rate, repayment schedule, fees, early-repayment terms and disbursement conditions. Confirm whether the quoted rate uses a flat-rate or reducing-balance method; the same headline rate can produce different interest costs.
Important: This tool provides estimates for planning only. It is not financial advice, a loan offer or proof of eligibility. Always use the lender's official repayment schedule before committing.