Free Home Warranty Cost Calculators

Estimate total annual cost, compare plan tiers, check if a warranty is worth it, and find your best service fee level — no account needed.

💰 Quick Total Cost

Monthly premium ($) Service fee per call ($) Expected service calls/year

Est. annual cost:

⚖️ Worth It Check

Warranty total annual cost ($) Est. repair cost if uncovered ($)

📅 Monthly Equivalent

Total annual cost ($)

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All Calculators

Total Annual Cost Estimator

Premium + service fees combined into one real number.

Plan Tier Comparison

Compare Systems Only vs. Systems+Appliances vs. Premium tiers.

Warranty vs. Pay-As-You-Go

See if a warranty actually saves you money this year.

Service Fee Optimizer

Compare $75/$100/$125 service fee tiers side by side.

From the Blog

Home Warranty vs. Homeowners Insurance

Two very different kinds of protection, explained.

Is a Home Warranty Worth It?

The math behind the decision, not just the marketing.

How to Choose Your Service Fee Level

Why a higher deductible-style fee can save you money.

How These Numbers Are Calculated

Every calculator on this site shows its work: the annual premium, the total service fees, and the combined total, calculated directly from the numbers you enter — never from a hidden formula or a specific provider's undisclosed pricing. We don't guess your premium or service fee for you, and we don't require an account, email address, or phone number to see a result. Read more about our approach on the About page, and see the assumptions and limitations noted on each individual calculator.