How it scales. Total contract value = area × BUA rate. Every other figure is a fixed share of that total, so editing the inputs rescales the whole schedule proportionally.
Fixed ratios. Client down payment 25% · contractor package 75% · contractor down payment 25% of package · retention 2 × 5% of package · financing uplift 36% flat (18%/yr × 2 yrs) on the financed principal.
Contractor total. Equal in every scenario = down payment + progress installments + two retention halves. Only the timing differs.
Installment %. Shows each monthly installment as a share of that plan's total client payment.
Retention. Two 5% halves; the 2nd half is released against cheque. Both released after handover.
Variance. Cumulative client-in − cumulative contractor-out = developer running cash position. Positive means client cash is being held ahead of contractor payments. Scenario 1 ends at M9; blanks after mean the plan is complete.