BuyPack Schedule – Month by Month
Assumptions:
Grace Period: months 1–6, no payments.
Normal monthly payment: €3,593.
Summer Camp boost: 70 % of extra Net Income in July & August (€8,400/month), added to normal payment → €11,993.
Capital invested: €100,000
ROI target: 100 % → total to pay €200,000
Months 7–12: first year payments (months 7–8 with Summer Camp boost).
Average monthly Net Operating Income outside Summer Camp: €8,983.
Month Base Payment (€) Summer Camp Boost (€) Total Payment (€) Cumulative Paid (€) Remaining Net Operating Income (€)
1 0 0 0 0 8,983
2 0 0 0 0 8,983
3 0 0 0 0 8,983
4 0 0 0 0 8,983
5 0 0 0 0 8,983
6 0 0 0 0 8,983
7 3,593 8,400 11,993 11,993 0
8 3,593 8,400 11,993 23,986 0
9 3,593 0 3,593 27,579 5,390
10 3,593 0 3,593 31,172 5,390
11 3,593 0 3,593 34,765 5,390
12 3,593 0 3,593 38,358 5,390
13 3,593 0 3,593 41,951 5,390
14 3,593 0 3,593 45,544 5,390
15 3,593 0 3,593 49,137 5,390
16 3,593 0 3,593 52,730 5,390
17 3,593 0 3,593 56,323 5,390
18 3,593 0 3,593 59,916 5,390
19 3,593 8,400 11,993 71,909 0
20 3,593 8,400 11,993 83,902 0
21 3,593 0 3,593 87,495 5,390
22 3,593 0 3,593 91,088 5,390
23 3,593 0 3,593 94,681 5,390
24 3,593 0 3,593 98,274 5,390
25 3,593 0 3,593 101,867 5,390
26 3,593 0 3,593 105,460 5,390
27 3,593 0 3,593 109,053 5,390
28 3,593 0 3,593 112,646 5,390
29 3,593 8,400 11,993 124,639 0
30 3,593 8,400 11,993 136,632 0
31 3,593 0 3,593 140,225 5,390
32 3,593 0 3,593 143,818 5,390
33 3,593 0 3,593 147,411 5,390
34 3,593 0 3,593 151,004 5,390
35 3,593 0 3,593 154,597 5,390
36 3,593 0 3,593 158,190 5,390
37 3,593 0 3,593 161,783 5,390
38 3,593 0 3,593 165,376 5,390
39 3,593 8,400 11,993 177,369 0
40 3,593 8,400 11,993 189,362 0
41 3,593 0 3,593 192,955 5,390
42 3,593 0 3,593 196,548 5,390
43 3,593 0 3,593 200,141 5,390
✅ Notes:
Summer Camp payments are included in July & August each year.
Remaining Net Operating Income shows the positive cash flow left for the academy after paying the investor.
The total BuyPack is completed in 43 months, including the 6-month grace period.
During non-Summer Camp months, the academy keeps a positive monthly cash flow (~€5,390) to cover operations or reinvest.