Business Valuation Calculator — Singapore SME

How it works: Answer 7 questions. Get a realistic SGD valuation range for your Singapore SME based on adjusted-EBITDA methodology used by real SG acquirers and brokers. Takes 60 seconds. Free, no email required. Multiples referenced from The Funding Assembly (June 2026 SG SME data).

Business category Annual revenue (SGD, last full year) Your gross turnover for the most recent 12 months Annual net profit (SGD, after all expenses) Your reported net profit before tax Above-market portion of owner’s salary (SGD) If you pay yourself more than a hired manager would cost — enter the difference. E.g. you draw SGD 200k but a manager doing your job would cost SGD 90k → enter 110000 Years remaining on lease (0 if not applicable) Only relevant for location-dependent businesses (F&B, retail, salon, clinic) Owner dependency — how much do you personally run the business? Revenue trend (last 2 years)

How this calculator works

This calculator uses adjusted-EBITDA methodology — the same standard framework Singapore business brokers and M&A advisors apply when valuing SMEs for sale. It starts with your net profit, adds back any above-market portion of owner salary (so the buyer sees earnings independent of you), applies a category-specific SG multiple, then adjusts for lease, owner dependency, and revenue trend.

SG SME EBITDA multiples used (source: The Funding Assembly, June 2026 SG data)

F&B single outlet: 2.0x – 3.5x
F&B multi-outlet / group: 4.0x – 5.0x
Retail: 2.5x – 4.5x
Professional Services: 3.0x – 5.0x
Manufacturing: 3.5x – 5.5x
Services (renovation, cleaning, transport): 3.0x – 5.0x
Healthcare / Beauty / Wellness: 4.5x – 7.0x
Education / Tuition: 4.0x – 6.0x
E-commerce / SaaS: 5.0x – 9.0x

These are typical ranges for privately-held SG SMEs with SGD 100k – SGD 5M annual EBITDA. Very small businesses (under SGD 100k EBITDA) may transact using SDE (Seller’s Discretionary Earnings) rather than EBITDA, at slightly different multiples. Businesses with EBITDA over SGD 5M often attract institutional buyer interest and can achieve higher multiples through competitive bidding.

Adjustments the calculator applies

Lease (location-dependent businesses only): 3+ years remaining adds +10%; under 1 year subtracts 25%
Owner dependency: high = -25%; low = +15%
Revenue trend: growing 20%+ = +20%; declining = -30%

What the calculator can’t do

An online tool gives a defensible starting range, not a final price. It cannot assess: customer concentration, quality of financials, working capital requirements, brand goodwill, specific buyer negotiating position, deal structure (asset vs share sale, seller financing, earn-outs), and current SG market timing. For deals above SGD 1M, we strongly recommend engaging a certified valuer (SGD 3-8k).

References & further reading

Save this report to your inbox

Prefer to keep a copy for reference or share with your co-owner/spouse? Fill in the form below and I will personally review your numbers and send you a copy of your report within a business day. No spam, no email list.