Household replacement budget
Plan how much to set aside each month for replacing appliances, furniture and home systems as they reach the end of their useful life. Get a year-by-year replacement calendar too.
One item per line, up to 200 items and 100,000 characters; cost and savings 0 to 10,000,000, whole ages 0 to 100 and useful lives 1 to 100 years, yearly price change −10% to 20%, plans of 1 to 50 years from 2000 to 2100. Calculated on your device; download a JSON report and CSV files of results, items and the calendar. One item per line: item, replacement cost today, age in years, useful life in years, then optional amount saved and yearly price increase (%). Up to 100,000 characters. Review the settings before running.
Your result
How to use Household replacement budget
- List each item with its replacement cost today, its age and its useful life in years.
- Add what you have already saved for an item and its own yearly price increase if it differs.
- Set the current year, the years to plan and the default yearly price increase.
- Review the monthly set-aside and the calendar, then download the CSV files.
Useful next steps
Cost at replacement
Prices are grown from today’s cost by the yearly increase, compounded once a year, using the compound growth formula in OpenStax Contemporary Mathematics 6.4 (checked 16 October 2026). A 1,200 fridge with 7 years left at 3% a year costs 1,200 × 1.03^7 ≈ 1,475.85 when it is due.
Yearly and monthly set-aside
Like a sinking fund (Wikipedia, checked 16 October 2026), the amount still needed, the cost at replacement less what is saved, is spread evenly over the years left. The fridge needs 1,275.85 over 7 years, 182.26 a year or 15.19 a month. Savings earn no interest in this plan. An item at or past its useful life is due this year and is listed separately.
Replacement calendar
Each replacement repeats every useful life within the planning years, so a 4-year laptop that is due now appears in 2026, 2030 and 2034. The long-run yearly cost, today’s cost divided by useful life, shows the steady budget once every item is on its cycle.
Limits
Up to 200 items and 100,000 characters, costs up to 10,000,000, ages up to 100 years, useful lives 1 to 100 years, price changes from −10% to 20% a year and plans of 1 to 50 years. Useful lives are your assumptions; the InterNACHI life expectancy chart (checked 16 October 2026) is one place to look them up.