Homeowner Cost Lab
Repair decision calculator

Compare repair and replacement on the same basis.

Enter the quotes you have, how many years of service you expect from each option, and each option’s annual operating cost. The tool calculates a simple annualized cost.

Your assumptions

Use written quotes and your own expected service life where possible.

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Repair option

Include the scope you expect to pay for.
Your estimate, not a lifespan prediction.
Use an annual energy or operating cost you can support.

Replacement option

Enter the installed amount from a quote.
Your estimate, not a lifespan prediction.
Use an annual energy or operating cost you can support.
No default prices or repair rules are applied.

Formula
Simple annualized cost = quote ÷ expected years of service + annual operating cost. Both options use the same method.

What this comparison can and cannot tell you

Annualizing a quote helps compare options with different expected years of service. It is a simple planning comparison, not a prediction of lifetime spending and not a recommendation to repair or replace.

Use comparable scopes and ask contractors to explain what is included. If the system may pose a safety risk, get an appropriately qualified professional to assess it.

See the method, maintenance reserve tool, and disclaimer.