Home building budget & draw tracker
See the full build picture before it starts drifting.
Groundbase helps you answer the hard questions: should you sell, how much can you afford, where does the money come from, and what happens when costs change mid-build.
7 days free, cancel anytime. Then $9.99/month.
Groundbase draw interest card
Your loan
on what the bank has sent
What rate
Interest to date
Bank draws funded
Monthly interest by draw
Inside Groundbase
Where the build is, what it costs, and whether it still fits.
What you are really managing
You are managing a lot more than the estimate.
Most people are forced to manage those as separate conversations. That is exactly how the project can keep moving while the financial picture quietly gets worse.
Before the build
You have to make big money decisions before the numbers feel settled.
You are deciding scope, loan size, cash use, and whether to sell your current home before the finished payment is fully clear.
During the build
The budget, draws, and funding plan usually live in separate conversations.
Your builder tracks scope, your lender tracks draws, and your spreadsheet tries to hold the rest. That is where expensive blind spots appear.
After the build
A project can technically work and still leave life feeling too tight.
The build is not really working if the reserve disappears, the payment stretches too far, or the finished-home DTI stops feeling manageable.
What Groundbase changes
Four jobs, one system.
Budget
Set a number that holds as things change
Start with the build cost, then track contingency, site work, soft costs, and real spend — without restarting the math every month.
Funding
See all your funding sources in one place
Home equity, sale proceeds, cash, reserves, and your construction loan — in one picture instead of four separate conversations.
Tracking
Keep costs connected while the build runs
Draws, vendor costs, and scope changes stay tied to the budget — so nothing gets lost between your lender and your spreadsheet.
Affordability
Know what the finished home actually costs to live in
The home only works if the permanent payment, DTI, and what comes next still fit your real life when the build is done.
Who Groundbase is for
This is for the person holding the financial picture together.
Groundbase is for people who do not just want a rough estimate. They want a calmer, clearer way to understand what the build is costing, where the money is coming from, and whether the finished home will still feel okay to live with.
You are the point person
You are the one everyone keeps coming back to for the answer.
Your builder has one view, your lender has another, and you are the person trying to keep budget, cash, timing, and decisions from drifting apart.
You want fewer surprises
You want to understand the money before you are too deep in it.
How much comes from the loan? How much comes from cash? What happens if the sale comes in low or costs go up? You want those answers early, not halfway through the build.
You still have a real life
You want the finished home to feel good after move-in too.
Getting the build done is not the only goal. You also want to know the payment, reserve, and monthly reality will still feel comfortable when construction is over.
Where the plan gets tested
Two normal changes can turn into one expensive problem.
Move the sliders. This is the kind of chain reaction Groundbase is built to catch before it gets expensive.
Funding gap
$62,000
The gap has to come from more cash, more debt, or less project.
Reserve after change
$12,800
After $16,200 of housing during a 12-month build and the funding gap.
Finished payment
$5,148/mo
The reserve absorbed the gap, so the loan didn't grow. Includes about $900/mo tax and insurance.
Finished-home DTI
36.3%
TightThis number changes when everything else does.
What Groundbase does next
It shows you the impact right away — and gives you time to choose: cut scope, find more cash, adjust the timeline, or change your plan for the current home.
Try it yourself
Start with one question. Watch the rest move.
Each answer changes the others — and that's where most owner-builders get caught off guard.
Build cost calculator
Start with the build cost
A fast way to size the project before funding, draws, and real-life tradeoffs start to reshape it.
Core assumptions
Start with the core build.
Set the size, pricing, and contingency first.
Estimated total project cost
$660,000
This is the number to respect before financing, bids, and change orders start testing it.
Base construction
$600,000
2400 sq ft at $250 per square foot.
Contingency reserve
$60,000
10% protection for the part of the budget most likely to move.
What this cannot tell you
Beyond the estimate
This number alone does not answer whether your reserve survives, your home sale fills the gap, or the finished payment still works.
Use this number well
Treat this as the opening range. If it changes scope or funding decisions, that is the calculator doing its job.
7 days free. Cancel anytime before it ends.
Common questions
Questions owner-builders ask
Straight answers about what Groundbase is, who it's for, and how it works before you sign up.
Simple pricing
One plan for the whole build.
Budget planning, funding visibility, draw tracking, vendors, project health, and finished-home affordability in one place.
7 days free, then $9.99/month.
Included
Everything in one plan