Pay smart, not sorry.
Most interior disputes start with a bad payment schedule. LivSafe helps you structure milestone-based payments so money moves only after verified progress — protecting you at every stage.
Payment breakdown calculator
Drag to set your project total and see the recommended milestone amounts.
Advance / Booking
₹2.8L (20%)Before work begins, after contract is signed
What to verify before paying
Signed contract with milestone definitions in hand, vendor GST registration verified, references checked.
Civil Complete
₹3.5L (25%)After demolition, plumbing reroutes, and tile base work are inspected
What to verify before paying
Walk the site yourself. Check plumbing connections are tested and tile base is level. Get a written scope sign-off from site supervisor.
Carpentry 50% Done
₹2.8L (20%)When half of all carpentry carcasses are installed and inspected
What to verify before paying
Count installed units against BOQ. Check carcass alignment, squareness, and wall fixing. Photograph all carcasses with date stamp.
Carpentry Complete
₹2.1L (15%)All carpentry, shutters, and hardware installed and snagged
What to verify before paying
Open every drawer and door. Check soft-close mechanisms, handle alignment, and shutter flatness. No payment before a written punch-list is cleared.
Handover
₹2.8L (20%)After final walk-through, all snag items resolved and signed off
What to verify before paying
Hold 5–10% as retention for 30 days post-handover. Full snag clearance in writing before final release.
Advance payment risk guide
How much advance is too much? Use this as your reference before signing.
Smart Alerts
Payment ahead of execution
You've paid 65% but only 40% of work is complete. Ensure carpentry is fully installed before the next payment.
Advance exceeds recommended limit
Projects with >30% advance payment report 2.3× more disputes. Current advance: 35%.
Material verification recommended
Marble and tiles should be physically verified on-site before payment for civil phase.
Watch out for these red flags
Cash payment requests (no receipt)
Any vendor asking for cash with no GST invoice or receipt is a major red flag. All payments should produce an itemised tax invoice.
More than 30% advance before work starts
Legitimate vendors need advance to procure materials — 10–20% is standard. Anything above 30% before a spade hits the ground indicates cash-flow problems.
No written payment schedule in contract
Verbal payment agreements are unenforceable. If the contract only shows a lump-sum price without milestone triggers, do not sign it.
Payment requested before walkthrough / sign-off
Each milestone payment should follow a physical site inspection. Requests for payment before you have verified the trigger work is complete must be declined.
Downloadable templates
Free downloads for all verified LivZio members.
Payment milestone tracker
Track all payments stage by stage with running totals
Vendor contract checklist
12-point checklist of clauses your contract must have
Site inspection log
Weekly site visit template with photo evidence slots
Material specification sheet
Document every material with brand, grade, and quantity
Snag list template
Room-by-room handover snag list for final walkthrough
Escalation letter template
Formal letter template for delay or dispute situations
Templates are for reference only. Consult a legal advisor before signing contracts.