Replace a generic percentage rule with component costs and remaining useful life.
Calculations stay in this browser. No entries are saved.
Roof and HVAC bills arrive irregularly. Remaining life and replacement cost create a useful reserve target without false precision.
Use inspection findings, installation dates and current local replacement quotes.
Major component contributions equal expected replacement cost divided by remaining years. Annual appliance and contingency reserves are added directly.
This is a funding plan, not a prediction of smooth spending. Update costs and remaining life after inspection or service.
This calculator supports The Real Cost of Homeownership. Home Maintenance Budget: Plan Routine Work, Not Major Replacements explains which details can change the inputs. The calculation methodology shows how we handle timing, rounding and exclusions.
Use inspection findings, installation dates and current local replacement quotes. Inputs remain in the browser and outputs are rounded for display.
Read the complete methodology →Each major component's expected cost is divided by its remaining years, then appliance and contingency allowances are added to the annual reserve.
The component with the fewest remaining years usually creates the nearest large need, but inspection findings should override generic life estimates.
Put the mortgage beside the carrying costs a listing price cannot show.