Renovation payment schedule calculator

See how much money you have paid ahead of the work at each stage of a Singapore renovation. Type the quotation total and the schedule your contractor proposed. Nothing is uploaded: it all runs in your browser.

StagePayment asked (%)Work done by then (%)

How to read the result

Prepaid ahead of work is what you have paid minus the value of the work done at that stage. The higher it is, the more of your money depends on the contractor finishing the job. A schedule tied to completed stages keeps that number small.

"Work done by then" is your own estimate. A rough guide for a typical HDB resale job: hacking ~15%, wet works and tiling ~30%, carpentry ~35%, electrical, painting and handover ~20%. Adjust it for your quotation.

Read more: deposits and progress payments and how to compare renovation quotations.

Have 2 or 3 quotations? We put them side by side line by line, flag what each one leaves out, and draft a payment schedule you can propose. S$49 per project, report within 24 hours. Start here or see a sample report.

A practical checklist, not legal or financial advice. You and your contractor agree the final terms.