At Elpis Interior, we’ve seen how budgeting confusion can take the joy out of a renovation. That’s why we’ve created this guide, built for homeowners like you. Whether you’re planning a minimalist 3-room flat or a spacious 5-room layout, this article will help you prepare a BTO renovation budget checklist that makes sense—for your home, your needs, and your wallet.
Why Budgeting Early Matters for Your BTO Renovation
One of the biggest mistakes new homeowners make is leaving budgeting until too late. It’s easy to get caught up in Pinterest boards, furniture shopping, or moodboards before understanding what you can realistically spend—and where.
We’ve worked with couples who come to us mid-renovation, surprised by how quickly costs snowball. A feature wall here, better tiles there, or extra carpentry—and suddenly, the project is 20 to 30 percent over budget.
By setting your renovation budget early, you make each decision from a place of clarity. You’ll know which elements are must-haves, which ones can wait, and where compromises make sense. It also gives you space to plan for a safety buffer, which is essential for any renovation in Singapore.
It’s not about restricting creativity. It’s about creating a structure that lets your design serve your daily life—not just the Instagram photo.

Major Cost Categories in Your BTO Renovation Budget
Let’s break down the typical categories that make up a complete BTO renovation budget in Singapore. Whether you’re doing a light refresh or a full makeover, these components will shape most of your costs.
Carpentry and Built-Ins
Custom carpentry usually takes the largest portion of your renovation budget—sometimes up to 50 percent. It includes kitchen cabinets, wardrobes, shoe racks, TV consoles, and other fixed furniture.
For example, a kitchen cabinet set with laminate finish can cost around $4,000 to $6,000. Bedroom wardrobes might range between $1,800 to $4,000 depending on length and materials. Carpentry isn’t just about aesthetics. It’s about storage and long-term function. So investing here makes sense—if it matches your living habits.
Materials and Finishes
This covers flooring, wall tiles, paint, surface laminates, and other finishing touches. The choice between vinyl, tile, or engineered wood flooring can create a swing of $3,000 to $8,000 across the entire home.
Homeowners often underestimate how small upgrades here can add up fast. For instance, upgrading to herringbone tile for a bathroom wall may cost hundreds more—but if that space matters to you, it could be worth it. Budget about 20 to 30 percent of your renovation for materials and finishes.
Labour and Services
This includes fees for tilers, electricians, painters, and the general renovation contractor. Labour costs in Singapore typically make up 20 to 30 percent of the total budget.
If you’re planning a full renovation involving hacking or plumbing work, labour charges will be on the higher end. Choosing a licensed contractor ensures quality and reduces the risk of rework or compliance issues.
Appliances and Fixtures
Lighting, ceiling fans, water heaters, and kitchen appliances also eat into your budget. While these are not technically part of renovation work, they’re necessary for move-in readiness and often overlooked in the early planning stages.
We suggest allocating 10 to 15 percent of your budget for appliances and fittings. It’s also wise to align purchases with seasonal sales, which can help you save without compromising quality.
Want a deeper breakdown of projected renovation prices for each area of the home? Check out our latest BTO Renovation Cost Breakdown 2025.

Checklist for Different BTO Flat Types: Tailoring Your Budget
Every flat type in Singapore brings a different set of needs. A 3-room BTO might require more space-saving carpentry, while a 5-room unit allows for layout enhancements and visual features. So your renovation budget checklist needs to reflect those variations clearly.
We’ve worked with homeowners across all flat sizes, and these benchmarks often help in early planning:
| Flat Type | Typical Size (sqm) | Estimated Renovation Budget Range (SGD) | Key Focus Areas |
|---|---|---|---|
| 3-Room BTO | 65–70 | $20,000 – $35,000 | Compact storage, space-saving furniture, minimal built-ins |
| 4-Room BTO | 90–95 | $30,000 – $50,000 | Balanced carpentry, smart lighting, functional zones |
| 5-Room BTO | 110–120 | $40,000 – $60,000+ | Statement features, expanded kitchen, built-in wardrobes |
These figures cover general renovation costs excluding furnishings or appliances. For a personalised estimate, you can also explore our HDB renovation guide for breakdowns based on room count and design focus.
Smart Budget Allocation: Balancing Design, Function, and Buffers
Once you’ve set your budget, the next step is deciding how to divide it. The best renovation plans always come back to one thing—balance. Functional needs, design expression, and unexpected costs should all have space in your planning.
Here’s a practical guideline we recommend to clients for allocating a BTO renovation budget:
| Budget Component | Recommended Allocation (%) | Purpose |
|---|---|---|
| Function (Carpentry, Plumbing, Electrical) | 50–60% | Supports daily living and space usage |
| Design (Finishes, Lighting, Styling) | 25–35% | Shapes mood and personal feel |
| Contingency Buffer | 10–15% | Cushions unexpected changes or upgrades |
If you’re unsure what counts as functional versus decorative, try this: ask yourself if the item directly affects your comfort or efficiency at home. If yes, it likely belongs in the functionality category.
Smart allocation isn’t about limiting expression—it’s about supporting your daily needs first, then letting the design enhance them. When your renovation budget respects both, your home simply works better for you.
Avoiding Hidden Costs: Transparency is Key
No homeowner likes surprises during renovation. Unfortunately, unexpected costs are common when the initial planning skips details.
We’ve seen homeowners caught off guard by extra wiring needs, plumbing reroutes, or structural adjustments that weren’t part of the initial quote. That’s why your renovation checklist should include line items for commonly missed costs.
Here are some examples of what to prepare for:
- BCA-related submission or permit fees, especially for hacking or structural work
- Plumbing or electrical rewiring to meet updated building codes
- Additional carpentry for irregular layouts or last-minute functional tweaks
- Extended warranty coverage or insurance on renovation works
Make sure to ask your contractor or designer to break down their quotation in detail. A good rule is: if it’s not written down, it’s not included.
At Elpis Interior, we always present itemised budgets to reduce confusion. Our aim is not only to avoid cost overruns—but also to build trust with you through clear expectations.
How Elpis Interior Helps Keep Your Renovation Budget on Track
Sticking to your renovation budget in Singapore can feel like walking a tightrope. One unexpected item or delay can throw your plans off balance.
That’s why many homeowners turn to renovation partners who don’t just design beautiful spaces—they keep the numbers in check, too. At Elpis Interior, we take that responsibility seriously.
Every client starts with a budget conversation. We ask about your priorities, your non-negotiables, and where you’re open to trade-offs. From there, we build a detailed renovation checklist that fits your flat type, family size, and lifestyle goals.
Here’s how our team ensures your renovation in Singapore stays within budget:
- Clear itemised quotations, so you know exactly where every dollar goes
- Cost-conscious design proposals that match your lifestyle, not generic packages
- Built-in buffers to handle scope changes or material availability shifts
- In-house project managers who keep communication smooth and decisions fast
- On-site coordination between contractors and designers to prevent costly rework
We believe your renovation budget shouldn’t be something you fear—it should be a tool that gives you freedom. With the right planning, you don’t need to overspend to get a home that looks and feels like you.
If you’re ready to build a renovation budget checklist that supports your vision and your wallet, we’re here to help. Speak with a designer who listens, guides, and gives you clarity from the first sketch to the final handover.
Book a consultation with Elpis Interior today and start your journey with confidence.
Your renovation should fit your life, not just your layout. Let’s make that happen together.

























































