Plan how money should be released stage by stage during your building or renovation project in Nigeria, so you do not keep sending money because of pressure, sweet talk, or confusion.
Build My Payment Plan
Start a Tracked Project
Many Nigerians abroad do not lose money only because a project is bad. They lose money because they release payment too early.
This tool helps you build a simple stage-by-stage payment plan showing what comes next, how much to pay, what proof of work to request, and how much money should still remain under your control.
It is not a legal contract. It is a practical planning tool to help you think clearly before money starts moving.
What this tool helps you do
Break your project into payment stages
Assign money to each stage clearly
Add a contingency buffer for unexpected changes
Decide what proof of work should come before payment
Reduce pressure-based payment requests
Think clearly before releasing money for the next stage
In simple terms
This tool helps you answer one important question:
When exactly should I pay, how much should I pay, and what must I see before I pay it?
That way, you are not just sending money because the site looks busy or because someone says, 'we need to move fast.'
Build Your Payment Plan
Your progress is saved on this device.
Reset builder
Project type
New build
Renovation
Interior design
Total project budget (overall money for this project)
Currency
NGN
USD
GBP
CAD
EUR
Number of stages
3
4
5
6
7
8
How do you want to set stage payments?
Percentage by stage
Amount by stage
Contingency percentage (money to keep aside for surprises)
This is the percentage you want to keep aside for hidden defects, price changes, or extra work you did not expect at first.
Stage-by-stage details
We prefill stage names based on your project type. Edit any stage to match your actual work done on site.
Your Payment Schedule
This section shows your stage payment plan in a clear format you can review, save, and share.
This table shows money planned for each stage, proof of work to check before payment, total paid so far, and money left after each stage.
Project type: New build
Total budget: ₦0.00
Contingency amount: ₦0.00
Usable stage budget after contingency: ₦0.00
Stage
Money for this stage
Proof of work before payment
Notes
Total paid so far
Money left after this payment
Your Project Summary
Your total project budget is ₦0.00.
You have assigned ₦0.00 across 0 stages.
You are keeping ₦0.00 aside as contingency for unexpected changes.
Your unallocated balance is ₦0.00.
Add stage values to see your first planned payment clearly.
Export as PDF (save/share)
Important reminders
• Do not pay for the next stage just because work is ongoing
• If the current stage is not genuinely complete, do not move forward
• Contingency money is not free money for random extra requests
• If scope changes, review the payment schedule before approving more money
• The safest payment plan is the one tied to proof, not pressure
• Enter your total budget first so the plan can calculate correctly.
• Your stage percentages currently add up to 0.00%, not 100%.
Suggested default stage examples
New build
Site Preparation & Foundation - usually 25% to 35%
Framing & Structural - usually 20% to 30%
Rough-in (MEP) - usually 10% to 15%
Wall/Ceiling Preparation - usually 10% to 15%
Interior Finishes - usually 15% to 25%
Exterior & Landscaping - usually 5% to 10%
Renovation
Inspection & Strip-out - usually 10% to 15%
Repairs & Corrections - usually 20% to 30%
Systems Work - usually 10% to 20%
Surface Preparation - usually 10% to 15%
Finishes & Fittings - usually 20% to 30%
Final Checks & Handover - usually 5% to 10%
Interior design
Planning & Measurement - usually 5% to 10%
Procurement - usually 35% to 50%
Preparation Works - usually 10% to 15%
Installation - usually 20% to 30%
Styling & Finishing - usually 5% to 10%
These are guidance examples only, not fixed rules. Adjust based on your project scope and site reality.
Why this matters for Nigerians abroad
When you are abroad, it is easy for payment requests to come with urgency, family pressure, or emotional language.
A payment schedule gives you something more solid to stand on. Instead of asking, 'Should I send money now?' you can ask, 'Has the current stage earned this payment yet?'
That one shift can save a lot of confusion.
How this fits into BuildMyHouse
BuildMyHouse is built around stage-based project thinking, clearer communication, notifications, and payment discipline.
This tool is a public planning version of that mindset. It helps you think more clearly before the project begins, and it prepares you for a more structured way of managing progress later.
Helpful resources
Build in Nigeria from abroad
Renovate in Nigeria from abroad
Lagos building permits and stage inspections
See how remote monitoring works
When you are ready, move from planning to tracked execution
Use this builder to create your payment plan. Then use BuildMyHouse when you want clearer stage tracking, project communication, and a more controlled payment flow.
Start a Tracked Project
See How Remote Monitoring Works
Frequently Asked Questions
It is a stage-by-stage plan that says when money should be paid, how much should be paid, and what proof should come before payment.