Home Maintenance Calculator

Estimate how much you should budget for home maintenance, repairs, and utilities based on your home's characteristics.

Home Information

Home Value

Square Footage

sq ft

Home Age

years

Home Condition

Location & Property Features

Climate/Location

Landscape Maintenance

Property has pool or spa

Calculation Options

Include major repair/replacement fund (roof, HVAC, etc.)

Include estimated utilities in calculation

Home Maintenance Cost Estimate

Results update automatically as you change your inputs

Home Maintenance Planning

The 1% Rule

A common guideline is to budget about 1% of your home's value annually for maintenance. For a $350,000 home, that's $3,500 per year. However, this is just a starting point and should be adjusted based on your home's age, condition, and other factors.

Maintenance vs. Major Repairs

Regular maintenance includes routine tasks like gutter cleaning, HVAC servicing, and minor repairs. Major repairs involve replacing systems like roofing, HVAC units, or remodeling, which are less frequent but more expensive.

Home System Lifespans

Roof: 15-30 years (depending on material)
HVAC System: 15-20 years
Water Heater: 8-12 years
Appliances: 10-15 years
Exterior Paint: 5-10 years
Flooring: 15-30 years (depending on type)

Preventative Maintenance

Regular preventative maintenance often costs less than emergency repairs. Creating a maintenance schedule for key home systems can help prevent costly breakdowns and extend the life of your home's components.

Home Maintenance Fund

Consider creating a dedicated savings account for home maintenance to ensure you have funds available when needed. This helps avoid using credit cards or loans for necessary repairs.

How to Use This Calculator

This calculator helps you make informed financial decisions by providing accurate estimates based on the information you provide. Follow these steps:

Enter Your Details

Fill in all required fields with your financial information.

Adjust Parameters

Use sliders and toggles to customize scenarios and assumptions.

View Results

Get instant calculations that update as you change inputs.

Compare Options

Try different scenarios to find the best financial solution.