Plan · Tool 38

Upgrade price-gap drift

Shows how different growth rates widen or narrow the gap between current and target homes.

Decision questionWhat does waiting do to the upgrade quantum?

Rules reviewed10 Aug 2026NAVARO method basis

02 · Primary answerWatch the constraint

Additional gap from waiting

S$112,004Current and target homes compound at separate editable assumptions over the same waiting period.

Gap todayS$800,000

Gap after waitingS$912,004

Target future valueS$2,185,454

Decision shaperelative scale

Gap today

S$800,000

Gap later

S$912,004

NAVARO read

If the larger asset grows faster, waiting can widen the absolute upgrade gap even when the current home also appreciates.

03 · Calculation trail

See the number being built.

The line items use the same engine as the primary answer. Negative rows are deductions, not hidden adjustments.

01Current home future valueS$1,273,450

02Target home future valueS$2,185,454

03Price gap todayS$800,000

04Price gap after waitingS$912,004

05Gap driftS$112,004

Continue the decision