Turn a big job total into an easy monthly payment. Enter the amount, the APR your lender quotes, and the term, and see the monthly payment, total paid, and total interest. Embed it on your own site in one line.
Illustrative estimate only. Not a loan offer, application, or guaranteed rate. Enter the APR your lender quotes. Confirm real terms with your financing provider before presenting them to a customer.
When a homeowner sees a $14,000 roof or HVAC quote, the total can feel out of reach. Frame the same job as a monthly payment and it suddenly feels affordable. This calculator turns any job amount, APR, and term into the monthly payment, total paid, and total interest, so you can show financing on the spot and close more high-ticket jobs.
It uses the standard fixed-rate amortization formula. We start with the amount financed (your job amount minus any down payment), the monthly rate (the APR your lender quotes, divided by 12 and by 100), and the number of months in the term:
M = P × r × (1 + r)^n ÷ ((1 + r)^n − 1)
Here M is the monthly payment, P is the amount financed, r is the monthly rate, and n is the number of months. When the APR is 0, there is no interest, so the payment is simply P ÷ n. Total paid is M × n, and total interest is (M × n) − P.
Higher-ticket trades (roofing, HVAC, full remodels, windows, solar) consistently win more work when the price is shown as a manageable monthly payment next to the total. The customer can picture fitting it into their budget instead of stalling on a scary lump sum. The key is to show financing while they are still excited, not days later after the moment has passed.
Hearth and similar financing widgets charge roughly $1,499 to $4,999 per year, and the embeddable payment widget is the core of that subscription. This tool is free, instant, and embeddable, and it uses the APR you enter from your own lender, so nothing is invented. The result is clearly labeled illustrative, never a loan offer or a guaranteed rate, which keeps you compliant and honest with customers.
The Pro version embeds a branded financing tool on your site with real lender offers and instant pre-qualification, so customers can get approved while they are still excited.
Get early access, book a free call →This tool turns a job total into a monthly payment. You enter the amount, an optional down payment, the APR your lender quotes, and the term in months. It subtracts the down payment to get the amount financed, then runs the standard fixed-rate amortization formula, applying the monthly interest rate from your APR across the number of months in the term. When the APR is zero, it simply divides the amount financed by the number of months. It shows the monthly payment, the total paid over the term, and the total interest.
Every number comes from what you type in. The tool does not set rates, pull credit, or find a lender, so nothing is invented: the APR is the one your lender or financing partner actually quotes for the specific plan. Promotional and standard plans differ a lot, so the result is only as real as the rate you enter. You can also copy a one-line snippet to embed the calculator, with the header and footer stripped, right on your own site.
The result is illustrative only. It is not a loan offer, an application, or a guaranteed rate, and it does not approve anyone for financing. Use it to show a customer what a job looks like as a monthly payment, then confirm the real terms with your financing provider before you present them. If you want a branded version on your own site, that is the kind of thing we build under custom tools.
It uses the standard fixed-rate amortization formula. It takes the amount financed, which is your job amount minus any down payment, applies the monthly rate from the APR you enter, and spreads it across the number of months in the term. If the APR is zero, the payment is simply the amount financed divided by the number of months. It also shows total paid and total interest.
No. It is an illustrative estimate only, not a loan offer, application, or guaranteed rate, and it does not pull credit or approve anyone. Enter the APR your lender actually quotes for the plan you offer, and confirm the real terms with your financing provider before presenting them to a customer.