Free Tool
Free monthly payment calculator
Turn a job total into a monthly payment by rate and term, with the total interest, so a big number becomes an easy yes. Free, no signup.
Private by design — everything you type stays in your browser. Nothing is uploaded, stored, or seen by us.
Show the monthly, not just the total
A ten thousand dollar quote can stop a homeowner cold. The same job at a couple hundred a month feels doable. Showing the monthly payment is one of the simplest ways to close a bigger job.
Enter the job total, any down payment, the rate, and the term. The calculator uses standard amortization to give you the monthly payment, the total interest, and the total of all payments over the loan.
The term is the lever. A longer term drops the monthly payment but adds interest over the life of the loan, so it is a trade-off worth showing the customer both ways. A shorter term costs less overall but asks for more each month.
The rate and terms come from whatever financing partner you work with. This is an estimate to put a monthly number in front of a customer, not a loan offer or approval.
Monthly Payment Calculator questions
How is the monthly payment calculated?
Standard loan amortization on the amount financed (job total minus down payment) at your rate over the term. The calculator does the math.
Why offer financing at all?
It turns a large total into an affordable monthly, which closes jobs that would otherwise stall on price. The customer pays over time; you get paid now.
Is this a loan offer?
No. It is an estimate to show a monthly payment. Actual rates, terms, and approval come from your financing partner.
Is this really free?
Yes. No email, no signup, and nothing you type leaves your browser.
Close bigger jobs
Werx sends estimates and invoices with a pay-by-card link, so it is easy for customers to say yes and pay. 14-day free trial, no credit card.
No credit card required · Free migration assistance · Cancel anytime
Disclaimer: These free tools and templates are provided for general information and estimating purposes only. All results — including quantities, material and cost estimates, load, sizing, and span figures, scores, and any guidance or warnings — are rough approximations that may not fit your specific project, site conditions, local building codes, or current prices. They are not engineering, architectural, structural, legal, financial, or other professional advice, and are not a substitute for a licensed engineer, architect, contractor, or other qualified professional. Always confirm quantities, sizing, and structural, electrical, mechanical, and code requirements with a licensed professional and your local authority having jurisdiction before purchasing materials or performing any work. Werx makes no warranty as to accuracy and accepts no liability for any decision made using these tools. Use at your own risk. See our Terms of Service.