How to Create a Construction Payment Schedule
Create a milestone-based house construction payment schedule with advance, foundation, structure, services, finishing and retention.
GharNaksa Team
Construction tracking for Nepal
A payment schedule protects both sides when it defines what must be completed, how completion is verified and how much becomes payable. A schedule based only on dates can force the client to pay even when site progress is late.
Use the Construction Payment Schedule Calculator to split the contract value across mobilization, foundation, structure, masonry, services, finishing and retention. Adjust the percentages until they total exactly 100%.
Keep the advance proportionate
Mobilization may be necessary for setup, early procurement and labor. The contract should explain what the advance funds, how it is recovered and what evidence is required. Avoid paying for major materials long before delivery without protection.
Define milestone evidence
- Measurement or completion certificate from the agreed professional.
- Dated site photos and inspection notes.
- Approved material delivery records where payment includes procurement.
- Test reports or checklists required before work is concealed.
- Updated statement showing previous payments, deductions and balance.
Use retention deliberately
Retention is a portion held under the contract until defined completion or defect obligations are satisfied. State the percentage, release stages and time limits clearly. It should not become an indefinite unpaid balance.
Track every approved payment
Record the milestone, certified amount, deductions, payment date and proof in one project ledger. Transparent construction reports make this especially important when the client is abroad.
