Turn your home’s value into a realistic yearly and monthly maintenance budget, and compare different budget levels side by side.
Suggested budget
Enter your home value to see a budget.
Set aside each month
Yearly maintenance budget
| Rate | Per year | Per month |
|---|
How this calculator works
Yearly budget = home value × (percentage ÷ 100)Monthly set-aside = yearly budget ÷ 12
Assumptions and limits
- A percentage-of-value rule is a planning shortcut. Actual costs depend on the home’s age, size, condition, systems, and local labor prices.
- Big replacements (roof, HVAC, water heater) arrive unevenly — some years cost far more than others. Saving monthly smooths that out.
- Excludes utilities, insurance, property taxes, HOA dues, and elective upgrades.
Source for the 1%–4% range: Fannie Mae, “How to build your maintenance and repair budget”
This is an illustrative planning estimate, not a quote or a guarantee of future costs.