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Decision reportDecision summary
Renovation Return Calculator
The project creates an estimated net gain of $12,250 after contingency and selling costs, producing an ROI of 9.6%.
Decision index
High risk
Renovation verdict
Key figures
Net gain
$12,250Renovation ROI
9.6%Contingency amount
$12,750Break-even value
$807,750Findings snapshot
What deserves attention first
These signals are the strongest points to review before relying on the result.
The project does not clear the target return and needs a sharper buy, lower cost, or higher value.
The contingency buffer is more realistic for renovation uncertainty.
The expected value uplift is greater than total project cost.
Status mix
Metric health
Green is healthier, yellow needs monitoring, and red needs action.
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Decision reportMetric dashboard
Relative strength of the main numbers
These bars compare the largest numeric signals in this report. Each value keeps its own unit, so use the chart as a visual guide rather than a like-for-like financial comparison.
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Decision reportMetric notes
What each result means
Each row explains the result in practical language and highlights whether it is healthy, worth watching, or needs action.
Net gain
$12,250WatchValue uplift less renovation, contingency, holding, and selling costs. This is one of the main numbers behind the result. Against the other key figures in this report, it is marked watch.
Renovation ROI
9.6%ActionNet gain compared with total project cash at risk. This is one of the main numbers behind the result. Against the other key figures in this report, it is marked action.
Contingency amount
$12,750HealthyBudget buffer added to the renovation cost. This is one of the main numbers behind the result. Against the other key figures in this report, it is marked healthy.
Break-even value
$807,750HealthyAfter-renovation value needed to avoid a loss. This shows when the upfront cost or tradeoff starts to pay off. Against the other key figures in this report, it is marked healthy.
Margin of safety
1.5%WatchNet gain as a share of after-renovation value. This is a conservative guide for what may feel more comfortable under the entered assumptions. Against the other key figures in this report, it is marked watch.
Total project cost
$127,750WatchRenovation, contingency, holding costs, and selling costs. This shows the longer-term cost, not just the monthly or short-term impact. It is marked watch based on the entered assumptions.
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Decision reportFindings
Plain-English interpretation
These findings translate the numbers into decision points.
The project does not clear the target return and needs a sharper buy, lower cost, or higher value.
The contingency buffer is more realistic for renovation uncertainty.
The expected value uplift is greater than total project cost.
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Decision reportAction plan
What to do next
Recommended actions are based on the strongest signals in the result. Use them to decide what to check, change, or confirm.
Action 1
Reduce pressure before committing
- What it means
- The project does not clear the target return and needs a sharper buy, lower cost, or higher value. Read this together with Net gain ($12,250) to see what is driving the result.
- Why it matters
- Value uplift less renovation, contingency, holding, and selling costs. This is one of the main numbers behind the result.
- Next step
- Check one more conservative scenario, confirm the real figures, then decide whether to proceed, adjust the amount, or pause.
- Metric evidence
- Net gain: $12,250; Renovation ROI: 9.6%; Contingency amount: $12,750
Action 2
Review decision signal 2
- What it means
- The contingency buffer is more realistic for renovation uncertainty. Read this together with Renovation ROI (9.6%) to see what is driving the result.
- Why it matters
- Net gain compared with total project cash at risk. This is one of the main numbers behind the result.
- Next step
- Check one more conservative scenario, confirm the real figures, then decide whether to proceed, adjust the amount, or pause.
- Metric evidence
- Net gain: $12,250; Renovation ROI: 9.6%; Contingency amount: $12,750
Action 3
Review decision signal 3
- What it means
- The expected value uplift is greater than total project cost. Read this together with Contingency amount ($12,750) to see what is driving the result.
- Why it matters
- Budget buffer added to the renovation cost. This is one of the main numbers behind the result.
- Next step
- Check one more conservative scenario, confirm the real figures, then decide whether to proceed, adjust the amount, or pause.
- Metric evidence
- Net gain: $12,250; Renovation ROI: 9.6%; Contingency amount: $12,750
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Decision reportScenario inputs
Values used in the calculation
These inputs are the basis of the report. If any value changes, regenerate the report before relying on the result.
Current property value
Current market value before renovation.$680,000Renovation budget
Expected build, materials, design, and contractor cost.$85,000Contingency
Budget buffer for surprises and scope creep.15.00%Holding costs
Interest, rent, storage, permits, or temporary living costs during works.$9,500After-renovation value
Expected value once the renovation is complete.$820,000Selling costs
Agent, marketing, legal, and transaction costs as a share of value.2.50%Target return
Minimum return you want on renovation cash at risk.20.00%Assumptions
How to read the result
- Contingency is added to renovation cost to reflect budget risk.
- Selling costs are calculated on the expected after-renovation value.
- ROI compares net gain with the renovation cash at risk.
Professional note
Before acting
This report is a decision-support summary based on the assumptions entered. It is not financial, tax, lending, or legal advice. Confirm product terms, fees, tax treatment, and policy settings before making a financial commitment.
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Decision reportTerms explained
Key terms used in this report
These definitions explain finance terms and strategies that appear in the result.
Break-even
The point where savings have recovered the upfront cost of a decision. Before break-even, the decision has not yet paid for itself.
Gross margin
Profit as a percentage of the selling price. It is different from markup, which compares profit with cost.