GDV.calculator

Profit on Cost Calculator (Property)

PoC = (GDV minus total costs) divided by total costs. Lenders reference 20 percent. Planning authorities reference profit on GDV, typically 17.5 percent. The two diverge: on a 1m cost / 1.2m GDV deal PoC is 20 percent and PoGDV is 16.7 percent. Workbench shows both.

Which benchmark to use

Use PoC for lender conversations and underwriting. Use PoGDV for planning viability submissions and Section 106 negotiation.

Why each cost line matters

Finance roll-up and contingency are the two lines most often understated. A 7.5 percent contingency that comes in at 12 percent erodes PoC by 350 to 500 bps on a typical scheme.

Inputs
MAX LAND BID£106,489At 20% profit on cost, 9 units, 950 sqft GIA each.
MARGINAL
GDV£3,088,688
Build cost£1,826,937
Prof fees£219,232
s106/CIL/BNG£108,000
Contingency£161,563
Finance interest£164,996
Target profit£496,146
Total costs (excl land)£2,480,729
Senior debt @ LTGDV£2,007,647
PoC19.4%
PoGDV16.2%
LTC77.6%
Sensitivity (PoC %)
Build -5%Build +5%Build +10%Build +15%Build +20%
GDV -15%11%1%-3%-7%-11%
GDV -10%18%7%2%-2%-6%
GDV -5%19%13%8%4%-1%
GDV 0%19%19%14%9%5%
GDV +5%18%19%19%14%10%

Cells show profit-on-cost percentage at each GDV stress / build-cost shock pair. Cells below your target PoC turn amber-warm; cells below 10 percent abort.

Planning Practice Guidance: Viability· Dec 2025Appraisal model reviewed by Oliver Wakefield-Smith (data integrity) with chartered-surveyor (MRICS) and CTA tax review. No affiliate links.