Roof Replacement Calculator
Replace your roof now or keep repairing it? Compare your roofer's quote, repair bills, insurance savings and resale value in today's dollars, up to the year you expect to sell.
1. Replacing
From a written contractor quote, less any rebates you have confirmed. Reaixo does not estimate prices.
From your insurer: some policies price roof age or material. Enter 0 if your premium would not change.
Ask an agent; leave at 0 if unknown.
2. Keeping the old roof
Patching, flashing and leak repairs you expect next year, from recent invoices or a roofer's estimate.
3. Your plans and assumptions
An assumption: older systems tend to need more work.
An assumption, not a price forecast.
What your money could earn elsewhere; puts later costs in today's dollars.
Results
Enter your replacement quote to see results.
How the numbers work
- Replacing now: the quote today, then the yearly savings, then any extra sale value in the year you sell.
- Deferring: repair bills each year (rising at your rate), the replacement at a price grown at your inflation rate, then the savings and sale value - unless you sell first.
- Each year's amount is divided by (1 + discount rate)year to put it in today's dollars. Undiscounted totals are in the export.
- Repairs after a new installation, financing and tax effects are not modelled. Prices, savings and lifespans come from you, not Reaixo.
Weighing a larger project? Compare cost recovery with the home improvement ROI calculator, or decide what to fix before listing with the repair before selling calculator.
Planning several projects?
A Remodeling Potential report looks at a specific property, its value and which improvements make sense, in what order.
See the Remodeling Potential reportQuestions
Should I repair or replace my roof?
If the roof leaks, is failing or is unsafe, repair or replace it promptly - that is not a financial choice. If it still works, the calculator compares paying for replacement now with paying rising repair bills and replacing later, using your own quotes.
Will a new roof lower my insurance?
Some insurers price roof age or material. Ask your insurer for both quotes and enter the difference; enter zero if it would not change.
Does a new roof add value when I sell?
A roof near the end of its life can come up in inspections and negotiations. Ask an agent what a newer roof would mean in your market and enter it as sale value; leave it at zero if you do not know.
Educational Use Only: Reaixo provides estimates for informational and educational purposes. Reaixo is not an appraiser, contractor, real-estate broker, financial advisor, tax advisor, or investment advisor. Project costs, property-value changes, buyer preferences and cost recovery vary significantly by property, location, project scope, workmanship and market conditions. Obtain project-specific estimates and professional advice before making renovation or financial decisions.
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