Developer payment plans vary significantly: some require 70 percent during construction, others 30 percent with the balance post-handover. This calculator tests whether a specific payment schedule fits your savings runway at each milestone.
What it calculates
Input the payment milestones and amounts from the developer schedule, your current available savings, and your monthly savings capacity. The output is a timeline showing your projected cash position at each milestone, and whether any milestone creates a shortfall. A shortfall at a contractual milestone is a real risk: the developer can claim a penalty or rescind the contract depending on the SPA terms.
Why it matters
Off-plan buyers regularly underestimate how payment schedules interact with their actual savings trajectory. A 10 percent deposit looks manageable; the 20 percent milestone six months later, combined with service charges already accruing, is where plans break down. Running the schedule before you sign costs nothing.
Outputs are estimates based on your inputs. Consult your SPA for exact milestone amounts and penalty clauses. This is not financial advice.