Payment plan calculator

Off-plan payment plan calculator

Build the schedule a buyer actually signs — booking deposit, down payment, instalments or construction milestones, and what is still owed at handover.

Plan type

Unit priceCurrencyBooking depositDown payment, %

Construction milestones

Each milestone triggers its invoice when the stage is marked complete. The last one is normally handover.

MilestoneShare, %
MilestoneShare, %
MilestoneShare, %

Payment schedule

Step	Share	Amount	Cumulative
Booking deposit	—	$2,000	$2,000
Down payment	20.0%	$95,000	$97,000
Foundation	20.0%	$97,000	$194,000
Structure topped out	30.0%	$145,500	$339,500
Handover	30.0%	$145,500	$485,000
Total	100.0%	$485,000

The shares add up to 100% — the schedule covers the unit price exactly.

Collected before handover: $339,500
Due at handover: $145,500

An off-plan sale is not one payment, it is a schedule that runs for two or three years alongside a building going up. Get the structure right and construction is funded by the sales it generates; get it wrong and you discover the gap when a tranche does not arrive. This calculator builds all three plan types DomusHub supports and checks the one thing hand-built schedules get wrong most often — that the percentages actually add up to a hundred.

How to use it

1Pick the plan type: paid in full, spread over instalments, or tied to construction milestones.
2Enter the unit price, the currency, and the booking deposit that holds the unit.
3Set the down payment the buyer pays on signing.
4For a stage plan, name each construction milestone and give it a share of the price.
5Check the total row — if it is not 100%, the schedule does not cover the unit price.

What this does not model

This is an illustration, not legal, tax or escrow advice. It does not model escrow release rules, late-payment interest, currency movement between tranches, or the registration fees that fall due at different points in different markets — all of which change what a buyer actually pays and when a developer can actually use the money. Check the schedule against your jurisdiction's rules and your sale-and-purchase agreement.

Frequently asked questions

What is a stage payment plan in off-plan property?

A schedule where each payment is triggered by a construction milestone rather than a calendar date — foundation complete, structure topped out, handover. The buyer pays as the building rises, and the developer's cash flow tracks the build instead of running ahead of or behind it.

How is a stage plan different from instalments?

Instalments fall on fixed dates regardless of what is happening on site. Stage payments fall when a milestone is reached. Instalments are simpler to administer and easier for a buyer to budget; stage plans tie the money to visible progress, which is what investors buying remotely tend to prefer.

What is a typical off-plan payment structure?

It varies by market and by developer, but a common shape is a small booking deposit to hold the unit, 20-30% on signing, the bulk spread across construction milestones or instalments, and a final 20-30% at handover. There is no universal standard — escrow rules, local practice and how much construction financing a developer has all move it.

Does DomusHub generate these invoices automatically?

Yes. Plans are built once as templates and applied to any unit. When a milestone is marked complete, every buyer on that plan gets their tranche invoice, and the buyer portal shows the next payment, the due date, and what has already been paid.

Go deeper

See it run on your own project

Bring one tower and the payment plans you actually sell. We will set them up as templates and show you the schedule your buyers would see in their portal.

Request a demo