Calculate your monthly payment and total interest for any home improvement loan. Adjust the loan amount, APR, and term — or start from a real financing option below.
Most contractor “0% financing” offers are deferred interest, not true 0% APR — if the full balance isn’t paid off before the promotional period ends, all the interest that accrued since day one gets added to your balance at once, typically at 20–27% APR. This calculator shows the ongoing rate after any promotional period, since that’s the number that actually determines your long-run cost.
Compare All 7 Financing Options →