Quality Inspector
Planning & Costing
Construction Payment Planner (2026) – Milestone & Schedule Master
Expert Guide
Generate a customized payment schedule for your house construction with risk warnings for homeowners.
⚡ Quick Answer
Always use Milestone-Based Payments tied to physical completion (e.g., Slab Cast) rather than fixed dates. For escrow and payment protection, visit pro.nirmansutra.com.
🛠️ How It Works
- •Choose between Milestone Mode (Safest for homeowners) or Monthly Mode (Standard for contractors).
- •Factor in a 5-10% Retention amount to be paid 6 months after completion as a warranty.
- •Document every transaction against the milestone to prevent budget overruns.
📐 Calculation Formula
Master Formula: 10% Advance + 15% DPC + 20% Slab + 25% Finish + 10% Retain
📋 Real-Life Example
Milestone for 50 Lakh Project:
• Advance (10%): 5 Lakh.
• Slab Cast (20%): 10 Lakh.
• Retention (5%): 2.5 Lakh (paid 6 months later).
⚠️ Common Mistakes to Avoid
- ✕Paying ahead of work — never pay for materials or labor until they are physically on your building site.
- ✕Ignoring retention — without retention money, contractors may skip minor finishing touch-ups and warranty repairs.
- ✕Verbal agreements — always document payments in a written milestone schedule attached to the contract.
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❓ Frequently Asked Questions
It is a payment system where you pay the contractor after specific physical stages are completed (e.g., Foundation, Ground Floor Slab, Plastering).
A standard advance is 10% of the total contract value. Never pay more than 15% as advance before any work starts.
A small portion (usually 5%) of each bill is kept by the owner and paid 6 months after completion to ensure any defects are fixed by the contractor.
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Worth NRs. 5,000
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