Home
ADU Calculators
Financing Calculator

California ADU Financing Calculator

Estimate your monthly loan payments and track how much equity you build when financing an ADU. Input your loan amount, interest rate, and term length to calculate your monthly payments, total interest paid, and equity growth over the life of the loan.

Financing Details

Loan Amount

$160,000

Monthly Payment

$1,011

Total Interest

$204,071

Total Payment

$364,071

This calculator provides estimates for financing based on your input. Actual terms may vary based on credit, lender requirements, and other factors. Always consult with a qualified lender for accurate information.

30-Year Loan Amortization Schedule

You can embed and use this calculator on your own website:

<iframe src="https://www.ca-adu.com/adu-calculators/financing/embed" width="100%" height="1080"></iframe>

California ADU Financing Calculator

Estimate your monthly loan payments and track how much equity you build when financing an ADU. Input your loan amount, interest rate, and term length to calculate your monthly payments, total interest paid, and equity growth over the life of the loan.

Financing Details

30-Year Loan Amortization Schedule

Construction Cost Calculator

Estimate the cost of building an ADU in California. Enter details such as size, construction type (garage conversion, attached, or detached), lot type, number of bedrooms and bathrooms, and desired finishes to get tailored cost estimates.

Utility & Maintenance Cost Calculator

Forecast the costs of maintaining an ADU, including utilities, insurance, and taxes. Input details such as utility rates, maintenance expenses, and preferences for upkeep to calculate the monthly and annual breakdown of ADU ownership.

Equity Growth Calculator

Evaluate your property's long-term equity growth and discover the financial advantages of building an ADU. Input the property's current market value and choose an annual growth rate to compare equity projections for 5, 10, 20, and 30 years with and without an ADU.

Break-Even Calculator

Forecast the break-even date for your ADU rental by projecting cash flow and profitability based on construction costs, rental income, and operating expenses. This tool estimates the break-even time without considering loans, interest, or financing costs.

Cash Flow & ROI Calculator

Evaluate the cash flow, return on investment, and long-term equity growth of adding an ADU to your property. Analyze key metrics by entering financing, rental income, and expense details to evaluate the project's profitability potential.