Home Maintenance Budget Calculator

Turn your home's value into a yearly and monthly maintenance budget. Saving a set amount each month makes big, uneven repairs easier to handle.

Your estimate

Enter your home value to see a budget.

Example: a $400,000 home at 1% gives $4,000.00 a year, or $333.33 a month.

A percentage of home value is a rough planning rule, not a forecast of what your repairs will actually cost.
Real costs depend on the home's age, size, condition and systems, your climate, and local labor prices.
Big replacements (roof, HVAC, water heater) arrive unevenly — some years cost far more than others.
Utilities, insurance, property taxes, HOA dues, and elective upgrades are not included.

This is an illustrative estimate, not a quote, a guarantee, or financial advice.

Your numbers stay in your browser — they are not sent to or stored by PocketWiseLab.

Set up an automatic monthly transfer of your budget into a separate savings account for home repairs.
List the age of your roof, HVAC system, and water heater so you know which big expenses may be coming first.
Review the budget once a year, and after any major repair or change in your home's value.

Estimate what a percentage cut in your kWh usage could save each month and year.

See how extra monthly principal changes your payoff date and total interest.