Roof Financing Calculator
Estimate the monthly payment on a roof replacement or repair. Adjust the project cost, down payment, rate, and term to see what fits your budget.
Estimate only — not a loan offer. PickARoofer does not provide financing. Actual rates, terms, fees, and eligibility depend on your lender and your credit. Use this as a planning tool, then get real quotes and financing options from a local roofer or lender.
Calculated with the standard amortization formula from the values above. Your actual offer may differ.
Ready to get quotes?
Get a free, exclusive quote from a local roofer — one contractor, no call flood. Financing is arranged between you and a lender.
Find a Local Roofer →How to use this calculator
Enter the total cost of your roof project from a contractor's written estimate, subtract any down payment you plan to make, and add the APR and term a lender has quoted (or a rate you want to test). The calculator returns the estimated monthly payment along with how much interest you would pay over the life of the loan.
- Project cost — the full price of the replacement or repair.
- Down payment — anything you pay up front reduces the amount financed and your monthly payment.
- APR — the annual percentage rate; a lower rate means less interest.
- Term — how many months you spread payments over; longer terms lower the monthly payment but raise total interest.
PickARoofer does not lend money and this is not a financing offer. It is a planning tool to help you compare scenarios before you talk to a roofer or a lender.