Construction Linked Payment Plan (CLP) Calculator
A construction linked payment plan calculator turns a property price and a list of construction stages into a full payment schedule. Enter the total price, adjust the percent for each stage, and the schedule shows the amount due at every stage with a running total. It is free, instant, and needs no signup.
Build your payment schedule
The full price of the property, before any taxes or charges the agreement adds.
Your payment schedule
| Stage | Percent | Amount due | Cumulative amount | Cumulative percent |
|---|---|---|---|---|
| On booking | 10% | ₹1,20,00,000 | ₹1,20,00,000 | 10% |
| On excavation | 10% | ₹1,20,00,000 | ₹2,40,00,000 | 20% |
| On plinth completion | 10% | ₹1,20,00,000 | ₹3,60,00,000 | 30% |
| On 5th floor slab | 10% | ₹1,20,00,000 | ₹4,80,00,000 | 40% |
| On 10th floor slab | 10% | ₹1,20,00,000 | ₹6,00,00,000 | 50% |
| On brickwork and plaster | 15% | ₹1,80,00,000 | ₹7,80,00,000 | 65% |
| On flooring and finishing | 15% | ₹1,80,00,000 | ₹9,60,00,000 | 80% |
| On completion certificate | 10% | ₹1,20,00,000 | ₹10,80,00,000 | 90% |
| On possession | 10% | ₹1,20,00,000 | ₹12,00,00,000 | 100% |
| Total | 100% | ₹12,00,00,000 |
Amounts are worked out on the percents you enter. If the total is not 100 percent, the stage amounts will not add up to the full property price. This schedule is an estimate for planning; the payment schedule in the signed agreement is the one that applies.
How a construction linked plan works
The plan runs in three steps:
Agree the schedule at booking
The buyer pays the booking amount and signs an agreement that lists every construction stage and the percent of the price payable at each stage. The schedule in the signed agreement is the one that counts.
Pay as construction reaches each stage
The developer raises a demand when a stage is completed, usually supported by an architect or engineer certificate for that stage. If a stage is not reached, the payment for that stage does not fall due.
Settle the balance at possession
The last part is paid when the project receives its completion certificate and the flat is handed over, together with any final charges that the agreement lists.
Use this schedule in the booking conversation
The first money question every buyer asks is how much they pay, and when. A stage-wise schedule answers it in one view at the booking table: the booking amount today, what each construction stage will cost, and what remains at possession. A buyer who has seen the full schedule signs with fewer doubts.
It also removes payment surprises later. When the buyer already knows the size of the next demand and the stage that triggers it, a follow-up call is a reminder, not a shock. Fewer surprised buyers means fewer stalled payments and fewer bookings that fall apart mid-construction.
In Leadvio CRM, the booking, the EOI and the payment milestones sit on the same lead record, so the schedule agreed at booking is the schedule your team follows up against. See Leadvio pricing for plans.
Frequently asked questions
A construction linked payment plan, or CLP, splits the price of an under-construction property into stages. A fixed percent of the price falls due when construction reaches each stage, such as excavation, plinth, slab, finishing and possession. The buyer does not pay the full price upfront; payments follow the progress of the building.
In a down payment plan, most of the price, often 90 or 95 percent, is paid within a short period after booking, sometimes at a discount. In a CLP, payments are spread across the construction period and linked to stages. The difference is timing and risk: a down payment plan puts most of the buyer's money out before the building exists, while a CLP keeps payments behind construction progress.
A 10:90 plan means 10 percent of the price is paid at booking and the remaining 90 percent is paid at the end, usually on the completion certificate or possession. The exact event that triggers the 90 percent payment is set by the developer and the agreement, so check what that trigger is before booking.
Payments under a CLP are linked to stages, so a stage payment falls due only when that stage is reached. If work stops, the later stage payments do not fall due while construction is stalled. The signed agreement and the project's RERA filings govern the specifics, including revised completion dates, so check both if a project slows down.
Neither is always cheaper. Down payment plans sometimes carry a lower price because the developer receives money early. A CLP usually has a higher headline price, but the buyer's money stays with them longer, which can reduce interest cost if they would otherwise borrow early, and less money is at risk if the project is delayed. It is a trade-off between price, interest and risk. This is general information, not financial advice.
Check that the stage percents add up to 100, what proof triggers each demand, how many days the buyer gets to pay each demand, the interest charged on late payment, what happens if the booking is cancelled, and that the schedule in the agreement matches the brochure and the documents registered with RERA.
Keep every booking on its schedule
A calculator builds one schedule at a time. Leadvio keeps the payment milestones of every booking inside the same CRM that holds your leads, site visits and commission records, so no demand date is ever hunted for in a spreadsheet.
- Booking and EOI records with payment milestones
- Follow-ups and site visits on the same lead record
- Free for up to 3 users, with no time limit