Complete Budget Checklist — 11 Trades

Home Renovation Budget Checklist

Everything you need to budget accurately for your Australian home renovation. Cost guides for all 11 major trades, phase-by-phase breakdown, and a printable checklist for every tradie you hire.

Your Checklist Progress

0/72 items

Expand each trade below and tick off items as you confirm them with your tradies.

11
Trades covered
72
Checklist items
4
Budget phases
2025
Updated
Phase-by-Phase Budget Breakdown

How to Allocate Your Renovation Budget

A typical home renovation budget is split across four phases. Use these percentages as a starting point, then adjust based on your specific project.

Phase 1
Planning & Design
5–10% of total budget
  • Architect or draftsperson fees ($2,000–$15,000)
  • Structural engineer report ($800–$3,000)
  • Council permit fees ($500–$5,000)
  • Building surveyor ($1,000–$3,000)
  • Soil test if required ($500–$2,000)
Phase 2
Structural & Rough-In
30–40% of total budget
  • Demolition and site preparation
  • Structural framing and carpentry
  • Plumbing rough-in
  • Electrical rough-in
  • Roofing and waterproofing
Phase 3
Fit-Out & Finishes
40–50% of total budget
  • Tiling and flooring
  • Cabinetry and joinery
  • Painting (interior and exterior)
  • Fixtures and fittings
  • Appliance installation
Phase 4
Landscaping & External
10–20% of total budget
  • Driveway and paths (concreting or paving)
  • Fencing and gates
  • Landscaping and turf
  • Outdoor entertaining area
  • Pool or spa (if applicable)
Contingency Buffer

Always Budget a Contingency

Renovations almost always uncover surprises — hidden water damage, asbestos, outdated wiring, or structural issues. A contingency buffer protects you from budget blowouts.

5–10%
contingency
New build
Lower risk — everything is new and planned
10–15%
contingency
Minor renovation
Some unknowns once walls are opened
15–20%
contingency
Major renovation
High chance of hidden issues in older homes
20–30%
contingency
Heritage property
Strict requirements and frequent surprises

Budget Calculator

Quoted renovation cost$80,000
+ 15% contingency$12,000
+ Council permits$2,000
+ Temporary accommodation$5,000
= Total budget needed$99,000

Rule of thumb: Never start a renovation without at least 15% contingency in the bank. Many experienced renovators keep 20%.

11 Trade Cost Guides + Checklists

Cost Guides for Every Trade

Click any trade to expand the full cost guide link and a printable checklist of questions to ask before hiring.

Quick Reference — All 11 Trades

TradeAvg CostRangeDIY FriendlyLicence Req.Cost Guide
Plumbing
$130/hr$150–$25,000No RequiredView guide →
Electrical
$150/hr$150–$15,000No RequiredView guide →
Roofing
$82/m²$300–$35,000No RequiredView guide →
Painting
$38/m²$400–$15,000PartialNot requiredView guide →
Landscaping
$85/hr$150–$80,000PartialNot requiredView guide →
Cleaning
$50/hr$100–$1,200YesNot requiredView guide →
Tiling
$70/m²$500–$15,000PartialNot requiredView guide →
Fencing
$120/m$80–$800/mPartialNot requiredView guide →
Concreting
$85/m²$1,500–$35,000NoNot requiredView guide →
Solar
$5,500 (6.6kW)$2,800–$22,000No RequiredView guide →
HVAC
$145/hr$150–$20,000No RequiredView guide →
Pest Control
$280/treatment$150–$8,000Partial RequiredView guide →

Universal Money-Saving Tips for Any Renovation

These apply regardless of which trades you hire.

Always get 3 quotes

Prices can vary 30–50% between tradies for the same job. Never accept the first quote.

Verify licences before hiring

Check licence numbers on your state's licensing authority website before any work starts.

Book in off-peak periods

Winter is quieter for most trades. You'll get faster availability and sometimes lower rates.

Get everything in writing

A written contract protects you. Include scope, price, timeline, and payment schedule.

Bundle jobs where possible

Having multiple tradies on site at once reduces mobilisation costs and speeds up the project.

Never pay more than 10% upfront

Reputable tradies don't need large deposits. Pay in stages tied to completed milestones.

Ready to get accurate renovation quotes?

Post your job free and get quotes from licence-verified local tradies across Australia. No obligation, no spam.

Get Free Renovation Quotes
Talk with Us