Business Valuation Calculator Singapore: What Is My SME Worth?

Small businesses are usually priced on Seller's Discretionary Earnings (SDE): profit before tax plus one working owner's salary, bonus and CPF, plus depreciation, interest, one-off costs and personal expenses run through the business. The SDE is multiplied by what buyers have paid for similar businesses. The multiples here are BizBuySell's averages for US small business sales from Q3 2021 to Q2 2026, by sector and type of business: 2.58× SDE and 0.67× revenue across all sectors, ranging from 1.95× (transport and storage) to 3.28× (online and technology) by sector.

The range runs from the lowest to the highest average multiple among the business types in your sector, and the midpoint uses your sector (or the closest business type). A revenue multiple and the net assets (total assets less total liabilities) are shown as cross-checks. Net assets work as a floor: if the earnings value comes out below them, the assets may be worth more than the business as a going concern.

Owner dependence, recurring revenue, growth and customer concentration move the multiple. Lookup applies simple, visible adjustments for these (for example −0.5× if the business relies on the owner day to day, +0.5× if half or more of revenue is recurring). They are rules of thumb, not market data, and are shown so you can see which way each factor pushes value.

There is no public dataset of Singapore SME sale prices, so treat the result as an indicative range. For a sale, a shareholder dispute, or tax and legal purposes, rely on a formal valuation by an accredited valuer.