Payment Plans · Free Tool
Payment Plan Calculator
See exactly how much you pay, and when, under different builder payment plans.
Plan Details
Changing this re-spaces the selected plan’s stages.
Typical structures. Edit the stages below to match the builder’s actual schedule.
Applies to under-construction purchases from a builder. Confirm the rate for your project. Set 0 to exclude.
Total Payable
₹80 L
Paid Before Possession
₹72 L
Due at Final Stage
₹8 L
Payment Schedule
| Stage | Month | Amount | Cumulative |
|---|---|---|---|
| Booking (10%) | 0 | ₹8,00,000 | ₹8 L |
| Within 30 days (10%) | 1 | ₹8,00,000 | ₹16 L |
| Foundation (10%) | 4 | ₹8,00,000 | ₹24 L |
| Structure — stage 1 (10%) | 9 | ₹8,00,000 | ₹32 L |
| Structure — stage 2 (10%) | 13 | ₹8,00,000 | ₹40 L |
| Structure — stage 3 (10%) | 18 | ₹8,00,000 | ₹48 L |
| Top floor slab (10%) | 22 | ₹8,00,000 | ₹56 L |
| Brickwork & plaster (10%) | 26 | ₹8,00,000 | ₹64 L |
| Flooring & finishing (10%) | 32 | ₹8,00,000 | ₹72 L |
| Offer of possession (10%) | 36 | ₹8,00,000 | ₹80 L |
- Property price
- ₹80,00,000
- GST @ 0%
- ₹0
- Total payable
- ₹80,00,000
Construction-linked dates depend on the builder’s progress, so treat the months as estimates. Stamp duty and registration are paid separately at registration.
Compare Payment Plans
We share current plans and offers across projects
How this calculator works
Under-construction projects are sold with a payment plan, a schedule of instalments tied to dates or construction milestones. Pick a typical plan to start, then edit the stages, percentages and months to match the builder’s actual schedule.
A construction-linked plan (CLP) spreads payments across milestones such as foundation, slabs and finishing. A down payment plan collects most of the price upfront, often in exchange for a discount. 20:80 and 10:90 plans ask for a small amount at booking and the rest at possession.
The schedule shows each instalment, the cumulative amount paid, and a chart of how your payments build up to possession. Add GST if it applies to your purchase.
Formula
Instalment = Price × Stage % × (1 + GST %)
Cumulative = running total of instalments in month order
Stage percentages must add up to 100%
Assumptions
- Plan presets are typical structures, not any specific builder’s plan.
- Months for construction-linked stages are estimates. Actual demand dates depend on construction progress.
- Stamp duty, registration and possession charges are paid separately and are not included.
Frequently asked questions
What is a construction-linked payment plan?
A plan where you pay instalments as the builder reaches construction milestones, such as foundation, each slab, brickwork and finishing. Payments follow actual progress, which reduces the risk of paying for work not yet done.
Is a down payment plan better?
Builders often offer a discount for paying most of the price upfront. It can be attractive for a reliable builder with a nearby possession date, but more of your money is at risk if the project is delayed.
What are 20:80 and 10:90 plans?
You pay 20% (or 10%) around booking and the rest at possession. They reduce upfront outflow, but check for higher base prices or other conditions attached to such plans.
Is GST charged on every instalment?
GST generally applies to instalments for under-construction property bought from a developer. Ready-to-move property with an occupancy certificate is generally exempt. Confirm the rate for your project.
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