Turn 9 A house with nothing behind it yet

Every frame before this is drawn on a build eight months old, and 8a's day one is really a build with a full budget and eight lines to place. A genuinely new project has neither side of the comparison this screen exists to make. Four states in the order they actually arrive: 9a nothing at all, 9b a budget and no spend, 9c the first few weeks, 9d where you are when fifteen of eighteen groups are untouched. 9e is day one at the desk. What holds them together: the screen never shows a verdict it cannot support, it never draws a run with nothing in it, and the reason it is empty is always a sentence naming what is missing and who has it.

9a Day one, both sides missing

This screen is a comparison, and on day one it has nothing on either side of it. No tabs, because two of the three would be empty and a tab bar promises content behind every one. No $0, because a zero measured against nothing is not a fact. One thing is waiting on the homeowner and it carries the only action; the block under it says what each reading needs before it can appear, in the order those readings arrive.

Spent against the estimate Budget, then one bill
Where it is going over A group with both sides
Projected final cost A month of bills
Nothing here is waiting on you except the budget. Record what you pay under Money as you go and this page fills itself in.
9b A budget, and nothing spent against it

Now the zero is true, because there is something to measure it against, and a real total with an empty bar is more use than a hidden figure — it shows the shape of the build before it starts. The trend is waiting on time rather than on her, so it takes the dated container and no action: an action would imply she could hurry it. The projection stays at the outline rung and says why, which here is not a missing input but an arithmetic one.

Spent so far A fact, not a forecast
$0 of the $610,000 estimated
Dave's budget, received 4 June. The bar fills with what you record and with what he bills, and neither has started.
Projected final cost goes here It is what you have spent plus what is left to spend. With nothing spent, that is your budget handed back to you, which tells you nothing you did not already know.
Eighteen groups, all of them untouched. They appear on Where you are as soon as one of them has something against it.
9c Three weeks in

Enough has happened to read two figures and not enough to read a verdict, and the title says exactly that rather than reaching for Steady. The support line shows the working — two per cent, three groups of eighteen — because a homeowner who can see why it is silent will trust it when it speaks. The tabs arrive here: two of the three now have content behind them.

Spent so far A fact, not a forecast
$14,200 of the $610,000 estimated
Six purchases you recorded and one bill from Dave, against the stated total on his budget.
Paid out
$84,000 one draw
Released 18 June against the permit and site work. This is money your lender has let go of, not money spent.
Projected final cost goes here A projection is a rate carried forward, and three weeks of site work is not a rate. Framing is where it starts to mean something. Nothing is waiting on you for this one.
Everything above reads today and will keep reading. What is missing is missing because the build is young, not because anything failed.
9d Where you are, with fifteen untouched

The third tab, early. Eighteen rows of which fifteen say nothing would be a list the eye cannot hold and a screen that looks like a fault, so only the groups with something against them are drawn and the rest are one counted sentence. The counts are counts, never a fraction of the build. Each row shows the estimate it is measured against, because a figure with nothing beside it is the thing this screen replaces.

Fifteen groups have nothing against them yet, and they appear here the day they do. None of them is late; the trades behind them have not been on site.
9e Desktop · a project with nothing in it

The desk form of 9a, and the width is a liability rather than an opportunity: three blocks stretched across 1160px read as a screen that failed to load. The pane keeps one column for the thing waiting on her and pairs the two explanations beside it, which is the only two-up on the screen because they are the same kind of thing. Compare with 8a, which is this screen one budget later.

Spent against the estimate Budget, then one bill
Where it is going over A group with both sides
Projected final cost A month of bills
Nothing here is waiting on you except the budget. Record what you pay under Money as you go and this page fills itself in.
Turn 8 The states the screen had nowhere to put

Of the seventeen figures 7b draws, two can be served today. 8a is the screen with only those two on it — a designed not-at-all rather than a degraded 7b, on the same principle the timeline already follows: return no estimate rather than part of one. 8b is the fourth verdict state, where an unresolved disagreement between two documents suppresses the reading entirely. Both of them say what is being waited on and who can end the wait. 8c and 8d draw the close-out overlay open, phone and desk — it is live on 7a and 7b behind "Mark one of these finished", and a state only reachable by tapping is one nobody reviews. 7a and 7b have also gained the unmatched bucket, a row for spend whose cost code is null.

8c Closing a category out · phone

The overlay drawn open, because a state you can only reach by tapping is a state nobody reviews. It is the same sheet 7a opens from "Mark one of these finished" under the still-moving run. The manual door matters most to the homeowner it is least visible to: with no builder connected and no draws, nothing exists to infer a finish from, so the proposal in the weekly queue never fires and this is the only way settled ever gets set.

8d The same, side-anchored

The desk form, drawn on its own rather than inside 7b's shell where it lives. Past the tablet rung a sheet comes from the side, and it is bounded rather than full height so the title, the four names and the action that commits the choice stay in one eyeline. Same content, same control, same one-per-screen rule.

Build health Which category is finished? Closing one freezes what it came to. If a bill turns up against it later, it reopens and the settled total drops.
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8b Verdict suppressed by a clash

The fourth state, and the one the three-tab screen has no room for. An open conflict about the contract sum sits at the root of the projection, so no reading is offered at all — a wrong verdict here is worse than none, and saying so is a sentence rather than a color. The route out is one tap and it belongs to the homeowner, which is why it is a real button.

Which one is the contract? Your signed agreement says $792,000. The budget spreadsheet sent the same day says $784,500. A projection built on both would be an average of two different houses.
Tell me which one you signed
Still true either way
Contingency left $31,000
Paid out, five draws $402,000
Neither of these is measured against the contract sum, so the disagreement does not reach them. Nothing you recorded changed, and it is one answer away from reading again.
8a Desktop · build health, day one

Everything on 7b that cannot yet be served is absent rather than zeroed, and the screen is composed around the two figures that can. Where the projection goes is a container-shaped absence at the outline rung — no fill, no lift, because there is no object to raise — and it carries the one action that ends the wait. The verdict line reads "not enough to say", which is a legitimate answer and not an apology.

Contingency
$31,000 left of $45,000
Drawn against it $14,000
Still yours $31,000
Set aside once, on 12 March. Spending against it does not make it grow.
Paid out
$402,000 across five draws
The last one released on 11 February, against the rough-in inspections. This is money your lender has actually let go of, not money committed.
Spent so far A fact, not a forecast
$432,000 of the $610,000 estimated
Every purchase and bill you have recorded, against the stated total on Dave's budget. Both sides of this are here from day one, which is why it reads while the projection cannot.
Projected final cost goes here It is spent plus what is left to spend, and the second half of that needs your budget's 62 lines grouped. Eight of them are waiting on you; the other fifty-four are already placed.
Place the eight lines
Where it is going over goes here A group can only move from an estimate once both sides of it are grouped. Nothing is hidden behind this; there is genuinely nothing to compare yet.
This screen fills in as the queue empties, and it fills in whole. A half-read projection is the one thing it will not show you.
Turn 7 Three views, phone and desk

The earlier explorations are gone and what survived is one screen with three views. Health is the four vitals, the categories split into settled and still moving, and phases against typical. Trend is the forecast line replotted at every bill and quote, with the three readings stacked under it — the view that shows what HouseChalk has been doing in the background for fourteen months. Where you are is the milestone timeline, reached behind you and windows ahead. 7a is the phone, with a segmented switch at the top: on a 390px column the three views are too tall to stack, and tabs beat a very long scroll because each view answers a different question. 7b is the desk, where the switch disappears and all three sit in one reading order, forecast across the top.

7a Phone, three tabs

The switch is live — tap between Health, Trend and Where you are. The header above it stays put, so the one-line verdict never leaves the screen. "Mark one of these finished", under the still-moving run, is live too: it opens the sheet that closes a category out by hand. That is the route for a homeowner with no builder connected and no draws, where nothing exists to infer a finish from — the queue proposal in Record is the shortcut, and this is the door.

Projected final cost Within contingency
$624,000 to $641,000
Builder's estimate $610,000
Projected over that $14,000
Contingency still unspent $31,000
The three parts add up to the $655,000 you could spend before the contingency is gone.
Projected finish Three weeks past plan
Late August into September
Planned
JulAugSepOct
The blue band is the window the finish could land in. It narrows with every draw and inspection.
Contingency left Ahead of typical
$31,000 of $45,000
Three blocks of five left. Most builds are down to about half by the time finishes start, so you are ahead of where this usually sits.
Spent so far A fact, not a forecast
$432,000 of the $610,000 estimated
Every purchase and bill you have recorded, against the total on Dave's budget. Nothing in this one is projected.
These move when a bill, quote, draw or inspection lands. Nothing here refreshes on its own.
Four categories are finished and closed out. Nothing that happens now changes what they came to.
$0 $10k $20k $30k $40k
Framing group $28,000 under
Finished 24 Nov Framing, trusses, roofing and siding were quoted as one lump, so they settle as one.
Foundation $2,400 under
Finished 3 Sep Slab, footings and the pump. Nothing is outstanding against it.
Roofing $1,900 over
Finished 12 Dec Two extra squares of shingle and a second delivery.
Permits and fees $600 over
Finished 16 Apr The county raised the plan review fee between quoting and filing.
Netted off, the four came in $27,900 under what Dave estimated for them. That is money already back in the build.
Still being spent against, so every figure here is where it stands today rather than where it lands. Netted with the four above, the build is about $14,000 over.
$0 $10k $20k $30k $40k
General conditions $12,900 over
Still spending Propane, dumpster, porta-potty. Dave had these at zero, so it was never in the estimate to go over.
Mechanical and HVAC $11,400 over
Still spending Rough-in is in, equipment is not. This one can still move either way.
Site work and fill $10,000 over
Still spending The clay they hit in March. Grading and the drive are outstanding.
Appliances $7,800 over
Ordered, not delivered Chosen in March and paid for. It settles the day they arrive.
Not matched to a group $13,210 spent
No baseline Three purchases the budget has no line for, so there is nothing for them to be over or under.
Mark one of these finished
Sorted by dollars, not percent. Every bar starts at zero and its length is the size of the gap; the word beside the figure says which way.
0 4 weeks 8 12 16
Frame up 11 weeks
Ran long Three weeks past the typical six to eight. Trusses came late from the yard.
Rough-in and inspections 7 weeks
Inside typical At the short end of a typical seven to ten. Passed first time, twice.
Finishes 5 weeks so far
still going
Running now Five weeks into a typical ten to fourteen, so it is early to read.
Typical range for a build this size
What your build actually took
A quote landed over its line The HVAC quote is $11,400 above the estimate it replaces

This is the earliest a line can be seen going over, and it is the reason the projection moved this week. It stays inside your contingency, which is why the build still reads Steady.

What to ask "Line 15-100 came in above the estimate. Is that the equipment, the ductwork, or both?" Your builder's own code for it is 15-100.
Save for Friday's check-in
See the working
Projected final, replotted at every bill and quote
Contingency ceiling Builder's estimate
Projected final $624,000
Range to $641,000

Two steps in fourteen months: the rock under the slab in June last year, and the HVAC quote on Thursday. Between them the forecast sat flat for eleven months, and it has stayed under the contingency ceiling the whole way.

The dashed fan at the end is the work that is not quoted yet. It closes as quotes land.
Time Flat since August
Start of the build Now

The step is the truss delay. It stopped growing the week the frame went up and every milestone since has landed in its own window.

Money Inside allowance
Start of the build Two change orders · $8,900

Two change orders in fourteen months, both drawn from the finishes allowance, so the contract figure has not moved. The two steps in the forecast above are quotes coming in over their lines, which is a different thing from a change order.

Decisions One is waiting
Answered as they came One open

Twenty-two answered, one open. The open one is the cabinet change order, and six to ten weeks of shop time start on your signature.

What moved the line on Thursday The HVAC quote came in $11,400 over its estimate

A quote landing over its line is the earliest warning the forecast gets, months before a bill would show it.

Save for Friday's check-in
Permit issued14 Apr
Site cleared and staked6 May
Foundation poured2 Jun
Frame up — three weeks over its window29 Aug
Roof on2 Oct
Closed in and watertight20 Nov
Rough-in passed8 Mar
Insulation and drywall19 Apr
Draw 4 released2 May
Eight landed in their window. One ran long.
Finishes fitted Late June
Happening now, in four rooms. A fortnight either side.
Counters templated and set July into August
Cannot start until the cabinets are set, and the slab yard runs two weeks behind the template.
Final inspection and keys Late Aug into Sep
A wide window on purpose, and the same one the projected finish reads from. It moves with everything above it.
A wider bar is a wider window, not a longer job. They narrow as each one gets closer.
Waiting on you The cabinet order is waiting on your signature

Six to ten weeks of shop time start when you sign, and the counters are measured off the cabinets once they are in. A week spent deciding is a week added to the two windows above.

Open the change order
As of Monday evening, from four draws, nine bills and the HVAC quote your builder sent Thursday.
7b Desk, all three at once

With the width available the tabs are unnecessary and the reading order does the work instead: the verdict and four vitals, the forecast over time, then the two ways of digging in side by side, with the timeline and the one thing worth watching at the foot.

Build health Which category is finished? Closing one freezes what it came to. If a bill turns up against it later, it reopens and the settled total drops.
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Build health Steady

Projected to land about $14,000 over the builder's estimate, inside your contingency, and about three weeks past the planned finish. One line is worth watching, and one decision is waiting on you.

As of Monday evening, from four draws, nine bills and the HVAC quote your builder sent Thursday.
Projected final cost
$624,000 to $641,000
Estimate $610,000
Projected over $14,000
Contingency unspent $31,000
Projected finish
Late August into September
Planned
JulAugSepOct
The band narrows with every draw and inspection.
Contingency left
$31,000 of $45,000
Most builds are down to about half by the time finishes start, so you are ahead of where this usually sits.
Spent so far A fact, not a forecast
$432,000 of the $610,000 estimated
Every purchase and bill you have recorded, against the total on Dave's budget. Nothing in this one is projected.
These move when a bill, quote, draw or inspection lands. Nothing here refreshes on its own.
The forecast over time Two steps in fourteen months
Contingency ceiling Builder's estimate Rock under the slab HVAC quote

Between the two steps the forecast sat flat for eleven months, and it has stayed under the contingency ceiling the whole way. The dashed fan is the work that is not quoted yet; it closes as quotes land.

Time Flat since Aug
One step, the truss delay. It has not grown since.
Money In allowance
Two change orders, $8,900, both from the allowance. The forecast steps above are quotes, not these.
Decisions One waiting
Twenty-two answered, one open: the cabinet order.
Worth watching One line, and it was seen early
A quote landed over its line The HVAC quote is $11,400 above the estimate it replaces

This is the earliest a line can be seen going over, and it is the reason the projection moved this week. It stays inside your contingency, which is why the build still reads Steady.

What to ask "Line 15-100 came in above the estimate. Is that the equipment, the ductwork, or both?" Your builder's own code for it is 15-100.
Save for Friday's check-in
See the working
Nothing else needs a question. The cabinet signature is the one thing waiting on you, and two questions are already saved for Friday.
Where it has gone Four categories are closed, five are still open
Settled, across four $27,900 under, and banked
Still moving, five $42,100 over, so far
Finished and closed out. Nothing that happens now changes what they came to.
$0 $10k $20k $30k $40k
Framing group $28,000 under
Finished 24 Nov Framing, trusses, roofing and siding were quoted as one lump, so they settle as one.
Foundation $2,400 under
Finished 3 Sep Slab, footings and the pump. Nothing is outstanding against it.
Roofing $1,900 over
Finished 12 Dec Two extra squares of shingle and a second delivery.
Permits and fees $600 over
Finished 16 Apr The county raised the plan review fee between quoting and filing.
Netted off, $27,900 under what Dave estimated. That is money already back in the build.
Still being spent against, so every figure is where it stands today rather than where it lands.
$0 $10k $20k $30k $40k
General conditions $12,900 over
Still spending Propane, dumpster, porta-potty. Dave had these at zero, so it was never in the estimate to go over.
Mechanical and HVAC $11,400 over
Still spending Rough-in is in, equipment is not. This one can still move either way.
Site work and fill $10,000 over
Still spending The clay they hit in March. Grading and the drive are outstanding.
Appliances $7,800 over
Ordered, not delivered Chosen in March and paid for. It settles the day they arrive.
Not matched to a group $13,210 spent
No baseline Three purchases the budget has no line for, so there is nothing for them to be over or under.
Mark one of these finished
Sorted by dollars, not percent. Netted with the four settled, the build is about $14,000 over.
Phases against typical One phase past its range, in fourteen months
0 4 weeks 8 12 16
Frame up 11 weeks
Ran long Three weeks past the typical six to eight. Trusses came late from the yard.
Rough-in and inspections 7 weeks
Inside typical At the short end of a typical seven to ten. Passed first time, twice.
Finishes 5 weeks so far
still going
Running now Five weeks into a typical ten to fourteen, so it is early to read.
Typical range for a build this size
What your build actually took
Where you are Nine milestones behind you, three ahead
Behind you
Permit issued14 Apr
Site cleared and staked6 May
Foundation poured2 Jun
Frame up — three weeks over29 Aug
Roof on2 Oct
Closed in and watertight20 Nov
Rough-in passed8 Mar
Insulation and drywall19 Apr
Draw 4 released2 May
Eight landed in their window. One ran long.
Ahead of you
Finishes fitted Late June
Happening now, in four rooms. A fortnight either side.
Counters templated and set July into August
Cannot start until the cabinets are set, and the slab yard runs two weeks behind the template.
Final inspection and keys Late Aug into Sep
A wide window on purpose, and the same one the projected finish reads from. It moves with everything above it.
A wider bar is a wider window, not a longer job. They narrow as each one gets closer.