Planning tool · Updated November 2026
Home Repair or Upgrade Decision Tool
Line up the age, repair history, warranty and quotes for an AC, furnace, water heater, roof or windows, and see the trade-offs between repairing and replacing. It does not diagnose your home.
How to use this tool
- It organizes, it does not diagnose. Only a qualified pro who inspects the equipment can tell you what failed and whether a repair will last.
- Get both quotes in writing. The comparison is only as good as the numbers. Ask for a repair price and a replacement price for the same visit.
- Safety comes first. If you smell gas or a carbon monoxide alarm sounds, leave and call 911 or your gas utility from outside.
- Your entries stay in this browser. Nothing is sent to us.
Assumptions and sources
The tool compares what you enter with these published estimates. Lifespans assume regular maintenance and normal wear; your equipment may last longer or fail sooner.
| Assumption | Figure used | Source and date |
|---|---|---|
| Central air conditioner | 7–15 years | InterNACHI, accessed November 2026 |
| Heat pump | 10–15 years | InterNACHI, accessed November 2026 |
| Furnace | 15–25 years | InterNACHI, accessed November 2026 |
| Tank water heater | 6–12 years | InterNACHI, accessed November 2026 |
| Tankless water heater | About 10 years; often longer with maintenance (tool uses 10–20) | InterNACHI, accessed November 2026 |
| 3-tab asphalt shingles | About 20 years (tool uses 15–20) | InterNACHI, accessed November 2026 |
| Architectural shingles | About 30 years (tool uses 25–30) | InterNACHI, accessed November 2026 |
| Vinyl or fiberglass windows | 20–40 years | InterNACHI, accessed November 2026 |
| Sump pump | About 7 years (tool uses 5–10) | InterNACHI, accessed November 2026 |
| Age × repair cost rule (HVAC only) | Above about $5,000 suggests pricing replacement | Common industry rule of thumb, a starting point, not a rule |
This tool is for general planning only. It is not a quote or an offer from FixFinch or any contractor.