DIVERSION IMPACT TOOL

Home Upgrade ROI

Calculate the financial return from added resale value after project cost, financing, and ongoing operating expenses—without pretending enjoyment is cash profit.

MODELED FINANCIAL ROI —

ALL-IN CASH COST — Project, financing through sale, and operating cost
PROJECT COST RECOVERED — Entered value added ÷ original project cost
NET OWNERSHIP COST — All-in cash cost less value added
WEALTH TRADEOFF — Cash flows invested instead, less value added
DECISION FILTER

Separate the financial return from the life return.

A negative financial ROI does not automatically make the upgrade wrong. It means resale value alone does not repay the full entered cost.

Illustrative estimate. Added resale value is not guaranteed and may not increase dollar-for-dollar with project cost. Selling costs, property-tax changes, insurance changes, taxes, and market conditions are excluded.

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CONTINUE YOUR FLIGHT PLAN

Use the ROI to set the maximum price you are willing to pay for enjoyment.

RECOMMENDED NEXT MOVE

Confirm the project fits cash flow

Price the payment and operating cost inside the dependable monthly surplus.

OPEN → 02

Protect reserves from the project

Keep emergency cash separate from the renovation budget and contingency.

OPEN → 03

Compare the project with the next priority

Give the available dollars the job with the highest current value.

OPEN →