Carry Cost Calculator

See what extra months cost on your loan.

A typical boutique $10M–$15M construction loan at about 8% is $67k–$100k a month to the bank. Enter your loan, rate, months saved, and monthly burn.

What the numbers mean

Monthly interest is loan x (annual rate / 100) / 12. A $12M loan at 8% is $80,000 a month to the bank. Multiply by the months you could save (2-6). Then add monthly marketing and ops burn for those months. That is extra months - not a lender draw-schedule calculator.

How to run it

  1. Enter the construction loan amount in USD.
  2. Enter the annual interest rate as a percent.
  3. Choose how many months faster you could sell out (2-6).
  4. Add monthly marketing and ops spend. Leave 0 for interest only.
  5. Read the total: interest plus burn, times months saved.

Buyers pick a unit tonight. Your sales team only calls people who are ready. That is how extra months come off. After you run the number, book a demo if you want CRM, what the sales team sees, and follow-up.

How much an extra month of a construction loan costsall Insights.