# Home Improvement Loan Calculator 2026 | RYH

> Calculate your monthly payment and total cost for any home improvement loan. Adjust loan amount, APR, and term to compare financing options side by side.



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.

    1. Start from a financing option (optional)

      HELOC (~7.4%)
      Home Equity Loan (~7.5%)
      Personal Loan (~18%)
      Contractor Financing (~9% after promo)

    2. Loan amount

$1,000 $100,000

    3. Interest rate (APR)

0% 30%

    4. Loan term

1 yr 20 yrs

Monthly Payment

Total Interest

Total Cost of Loan

Get Free Quotes →

## A Note on Deferred Interest

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 →](/home-improvement-financing/index.md)

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Source: https://remodelyourhome.com/home-improvement-loan-calculator/