Fictional teaching case

One property. Two cash plans.

Change an assumption and see where the difference comes from.

Fictional teaching case · Not a listing · No account required

Illustration of a two-storey stone village house with pale green shutters and a cobbled forecourt.

The same example, with more assumptions for you to explore. Every amount is a hypothetical teaching assumption, not a recommended fee, loan term or reserve.

The fixed baseline

Property price: €250,000
Assumed borrowing toward the price: €175,000
Acquisition costs: €20,000
Works allowance: €15,000
Financing costs not already included above: €3,000
Reserve to retain: €10,000

Cash toward the price: €75,000
Cash used for these included items: €113,000
Reserve to retain: €10,000
Cash to allocate: €123,000

The editable comparison needs JavaScript. The table below shows the baseline beside the same purchase with a €30,000 works allowance.

Baseline and a higher works allowance
Amount	Baseline	Works at €30,000	Difference
Works allowance	€15,000	€30,000	+€15,000
Cash used for these included items	€113,000	€128,000	+€15,000
Reserve to retain	€10,000	€10,000	No difference
Cash to allocate	€123,000	€138,000	+€15,000

Your comparison

Adjust any figure, then update the comparison. You can type 250000, 250 000 or 250000,50.

Property price

Enter a price greater than zero.

Planned borrowing toward the price

An assumption, not a lending offer. Enter 0 if you are not borrowing.

Acquisition costs

An amount you supply; this tool does not estimate it. The acquisition-cost estimator can help.

Works allowance

Baseline works: €15,000.

Financing costs

Fees you supply that are not already included in acquisition costs above. Enter 0 where none apply.

Reserve to retain

Cash you choose to hold aside. It is not a purchase expense. Enter 0 for none.

Figures are not saved on this page and are not transferred to Navigator.

Your result

Baseline and your comparison

Baseline, your comparison and the difference (your comparison minus the baseline)
Amount	Baseline	Your comparison	Difference
Cash used for these included items	€113,000	—	—
Reserve to retain	€10,000	—	—
Cash to allocate	€123,000	—	—

Difference is your comparison minus the baseline.

Important to know

What this example includes and leaves out

It adds up six stated amounts. It does not assess mortgage eligibility, a tax return, an investment yield or a property’s value, and it is not a full transaction budget or professional advice.

Left out of the total:

Running costs and annual ownership expenses
Ongoing loan repayments and insurance
Currency conversion
Personal tax, investment return and property valuation
Borrowing for works or fees, borrowing above the price and staged drawdowns
Anything you have not entered

Next steps

Understand the full buying budget
A practical guide to the costs beyond the asking price, with a fuller itemised example.
Read the guide
Use your own figures
The cash-plan calculator starts blank and runs the same arithmetic on the amounts you enter.
Build a cash plan
Keep working on your own project
Navigator offers a 14-day trial for one personal purchase plan and two scenarios. No card or automatic charge; full course lessons and companions are excluded. Nothing entered here is transferred automatically.
See trial scope