Decision-Making Tool: Cost Comparator and Optimiser of Financing Models and Schemes

What is the solution?

Excel tool that helps users compare the total cost of different financing models (loan, grant, bond..) and optimise key parameters such as rates, maturity and grant share. Targeted mainly at building-sector decarbonisation and adaptation projects, it supports municipalities and project developers in making clear and cost-effective financial decisions.

What challenge does this solution address?

Municipalities and project developers often struggle to select the most suitable financing mechanism for adaptation or decarbonisation projects. The tool responds by providing a structured cost comparator and optimization mechanism to evaluate multiple financing schemes, ensuring long-term affordability and financial sustainability in line with EU CBA methodology (2021–2027).

What is the added value?

The tool helps identify innovative financing options by going beyond traditional calculators and comparing multiple financing instruments under harmonised assumptions. It integrates a scenario-based optimiser to test parameters such as interest rate, maturity or grant level, aiming to minimise total costs. It supports decision-makers in balancing financial feasibility and sustainability for carbon-neutral and climate-adaptive building projects.

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