Tell us what you would spend once you stop working and what you already have. See the number a sale needs to reach, what your business could sell for today, and the three ways to close the gap. About three minutes. No email, and nothing you enter leaves this page.
Your yearly spending, less other income, rising with inflation (2.5% a year unless you change it) for as long as the money must last. Money not yet spent earns 4% a year. Add any one-off amounts, take off what your savings will have grown to, and allow 5% for the costs of selling.
The typical value after debt and cash, on the same conservative Singapore sector multiples as our valuation calculator. In 23 disclosed Singapore deals, a median of 72% of the price was paid at completion and the rest later, so the timing of the money matters too.
Grow profit before you sell, fix what buyers mark down so the business sells at a better multiple, or plan around the number: the calculator shows the yearly spending today’s value would fund.
Your number is shown in today’s dollars so you can compare it with today’s value. The breakdown also shows what you would need in the year you stop.
On today’s numbers, a sale at a typical price would fund the retirement you described. The work now is protecting that value and selling well.
The gap is the kind owners close in one to three years: a little more profit, or fixing what buyers mark down.
A sale today would fund part of what you need. Closing it means growing profit and making the business easier to buy, and probably giving it time.
Today a sale would fund well under half of what you need. Start with what buyers pay most for, and look at the plan as a whole: when you stop, what you spend and what else you have.
Enough, with your savings and other income, to fund what you will spend for as long as you need it, after the costs of selling and any debts you clear. The calculator works this out year by year, with spending rising with inflation and the money you have not yet spent earning a modest return. Most owners are surprised how large the number is, which is why it is worth knowing years before you sell.
Because a dollar in five years buys less than a dollar today. Showing the number in today’s money lets you compare it directly with what the business could sell for now. The breakdown also shows what you would need in the year you stop.
It uses the same method and conservative Singapore sector multiples as our valuation calculator, and takes the typical value after debt and cash. If you already have a valuation, enter it instead. For a number you can act on, we offer a written valuation for a fixed fee, credited if you sell with us.
There are three levers: grow profit before you sell, fix what buyers mark down so the business sells at a better multiple, and plan around the number, for example by stopping later or keeping a role in the business. Many owners come to us one to three years early for exactly this reason. The exit-readiness check shows where to start.
Singapore does not generally tax capital gains, but whether a gain is capital or income depends on the facts, and an asset sale leaves the money in your company first. Our guide to tax and stamp duty on selling a business covers the points to raise with your tax adviser.
No. It is a planning estimate on simple assumptions you can change. A financial adviser can build a full plan around your CPF, property, family and investments.
Many owners come to us one to three years early, and they are the ones who sell best. We show you how a buyer would read the business today and what would lift the price, so the sale funds the life you want. The first conversation is free and confidential.
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