Use the HFS Financial home improvement loan calculator to estimate your monthly payment in seconds. We connect homeowners in all 50 states with personal home improvement loans from $1,000 to $450,000, with fixed rates as low as 7.80% and terms up to 30 years. Trusted by 100,000+ homeowners since 2011.

Enter your desired loan amount below to see an estimated monthly payment. Whether you’re financing a kitchen remodel, a bathroom renovation, a new roof, or a larger project, our 60-second inquiry uses a soft credit check that won’t impact your credit score — and qualified borrowers can be funded in as little as one day.

Home Improvement Loan Calculator FAQs

How does the home improvement loan calculator work?

Enter the loan amount you’re considering, and the calculator returns an estimated monthly payment based on a representative fixed interest rate and term. Actual rates and payments depend on your credit profile, loan amount, term length, and the lender you’re matched with. To see real rates and a personalized estimate, submit a 60-second inquiry — it uses a soft credit check that won’t affect your score.

How much can I borrow for a home improvement project?

HFS Financial connects homeowners with personal home improvement loans from $1,000 to $450,000 through our lender network. The amount you qualify for depends on your credit profile, income, and the lender you’re matched with. There’s no home equity required, no appraisal, no collateral, and no prepayment penalties.

How long can I finance a home improvement project?

Loan terms through HFS Financial’s lender network range from 1 to 30 years. Shorter terms mean higher monthly payments but less total interest paid over the life of the loan; longer terms lower the monthly payment but typically increase total interest. Use the calculator above to compare term lengths and find what fits your budget.