Singapore Business Calculator - Business Financial Calculator

Profitability Metrics:

• Gross Profit: Revenue minus cost of goods sold
• Net Profit: Revenue minus all expenses
• Gross Margin: Gross profit as percentage of revenue
• Net Margin: Net profit as percentage of revenue

Return Metrics:

• ROI (Return on Investment): Annual profit relative to investment
• ROE (Return on Equity): Profit relative to owner's equity
• ROAS (Return on Ad Spend): Revenue per marketing dollar
• Revenue per Employee: Productivity measurement

Operational Metrics:

• Operating Ratio: Operating expenses as percentage of revenue
• Break-even Point: Revenue needed to cover all costs
• Cash Flow: Money flowing in and out of business
• Working Capital: Short-term assets minus liabilities

Sole Proprietorship:

• Setup Cost: $65 registration fee
• Liability: Unlimited personal liability
• Taxation: Personal income tax rates (0-22%)
• Compliance: Minimal reporting requirements

Partnership:

• Setup Cost: $65 registration fee
• Liability: Unlimited joint liability
• Taxation: Pass-through to partners
• Management: Shared decision making

Private Limited Company:

• Setup Cost: $300 registration + $15 name reservation
• Liability: Limited to share capital
• Taxation: Corporate tax rate (17%)
• Compliance: Annual filing requirements

Limited Liability Partnership (LLP):

• Setup Cost: $165 registration fee
• Liability: Limited liability for partners
• Taxation: Pass-through taxation
• Flexibility: Combines partnership and company benefits

Setup and Registration Costs:

• Company Registration: $300 (ACRA fee)
• Name Reservation: $15 (optional)
• Registered Office: $500-2,000/year
• Company Secretary: $500-1,500/year

Operational Costs:

• Office Rent: $3-15/sqft/month (varies by location)
• Utilities: $200-800/month (depending on size)
• Internet/Phone: $100-300/month
• Insurance: $500-5,000/year (varies by coverage)

Compliance Costs:

• Annual Filing: $60 (ACRA fee)
• Audit Fees: $3,000-15,000/year (if required)
• Accounting Services: $500-3,000/month
• Tax Filing: $1,000-5,000/year

Employee Costs:

• CPF Contributions: 17% of salary (employer portion)
• Work Permit Levy: $265-950/month per foreign worker
• Skills Development Levy: 0.25% of payroll (capped at $11.25/employee/month)
• Employment Insurance: Shared between employer and employee

Financial KPIs:

• Revenue Growth: Month-over-month and year-over-year
• Profit Margins: Gross, operating, and net margins
• Cash Flow: Operating, investing, and financing cash flows
• Return Ratios: ROI, ROE, and ROIC

Operational KPIs:

• Customer Acquisition Cost (CAC): Cost to acquire new customer
• Customer Lifetime Value (CLV): Total value from customer relationship
• Inventory Turnover: How quickly inventory is sold
• Employee Productivity: Revenue per employee

Market KPIs:

• Market Share: Percentage of total market
• Customer Retention Rate: Percentage of repeat customers
• Net Promoter Score (NPS): Customer satisfaction metric
• Brand Awareness: Recognition in target market

Financial Challenges:

• Cash Flow Management: Balancing income and expenses
• Access to Capital: Securing funding for growth
• Cost Control: Managing expenses effectively
• Pricing Strategy: Setting competitive yet profitable prices

Operational Challenges:

• Talent Acquisition: Finding and retaining skilled employees
• Supply Chain: Managing suppliers and inventory
• Technology Adoption: Keeping up with digital trends
• Regulatory Compliance: Meeting legal requirements

Market Challenges:

• Competition: Differentiating from competitors
• Customer Acquisition: Building customer base
• Market Changes: Adapting to evolving conditions
• Brand Building: Establishing market presence

What is a good profit margin for a Singapore business?

Profit margins vary by industry, but generally 10-20% net margin is considered good, while 20%+ is excellent. Service businesses typically have higher margins than retail or manufacturing.

How much does it cost to start a business in Singapore?

Minimum costs include $300 for company registration, plus ongoing expenses like registered office ($500-2,000/year) and company secretary ($500-1,500/year). Total startup costs vary widely by business type.

What is the corporate tax rate in Singapore?

The corporate tax rate is 17%, but new companies enjoy partial tax exemption on the first $200,000 of chargeable income, and startups can get additional exemptions for the first 3 years.

Do I need to register for GST immediately?

GST registration is mandatory only if your annual turnover exceeds $1 million. However, you can voluntarily register if your turnover is at least $1.

What government grants are available for new businesses?

Key grants include Startup SG Founder (up to $50,000), Enterprise Development Grant (up to 70% funding), and Productivity Solutions Grant (up to 80% for technology adoption).