Kitchen Remodel Equity Recovery Planner

Model how much equity a kitchen remodel adds after you repay financing interest by combining project budget, expected value uplift, APR, and your holding horizon. The calculator focuses on the net equity unlocked once every borrowed dollar and interest charge is covered.

Total project cost including labor, materials, permits, and design fees.
Estimated appraisal or resale value lift attributable to the remodel.
Annual percentage rate for any loan or HELOC funding the project.
How long you expect to keep the property before selling or refinancing.
Optional — assumes equal to holding period when blank

For homeowner planning only — verify appraisal assumptions with local professionals.

Examples

  • $84,000.00 budget, $65,000.00 value lift, 7.10% APR, 7-year hold, default term ⇒ $42,160.79 net equity
  • $56,000.00 budget, $48,000.00 value lift, 5.90% APR, 10-year hold, 5-year term ⇒ $39,197.91 net equity

FAQ

What if I make extra principal payments?

Reduce the financing term to reflect how quickly you expect to repay the balance so the interest calculation matches your payoff cadence.

How do I account for rebates or tax credits?

Subtract rebates from the remodel budget before running the calculation so the financing amount mirrors your net outlay.

Does the tool include appreciation beyond the remodel?

No. Enter only the value directly attributed to the renovation; separate market appreciation can be layered on afterward.

How should I treat a cash-funded remodel?

Set the financing APR to 0% so the tool shows the pure difference between value uplift and project budget with no interest drag.

Additional Information

  • Monthly payments are calculated using standard amortization over the loan term you supply (or the holding period by default).
  • Interest paid across the amortization schedule is subtracted from the expected home value increase to show net equity gain.
  • If you hold the property beyond the financing term, the result still uses the full interest accrued until payoff.
  • Optional loan term lets you test accelerated payoffs, HELOC balloons, or refinancing scenarios.

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