What the financing really costs, against the cash price.

Effective answers the question financed home-improvement offers are structured to blur: what does this really cost against the cash price. Enter the cash price, the financed price, the advertised rate, and the term, and Effective computes the payment, the total of payments, and the effective rate that would produce that same payment on the cash price. When the financed price sits above the cash price, that gap's cost shows up as rate, in the open. Arithmetic on numbers you already have, and deliberately nothing more: not lending, not tax advice, not an offer.

Check an offer

What it does.

Computes the amortized payment and total of payments for the offer as advertised.
Computes the effective rate against the CASH price, the number the advertised rate can understate.
Makes any gap between financed and cash price visible in dollars and as rate.
Counts monthly fees into the true cost instead of leaving them beside it.
Runs in the browser on the numbers you enter. Nothing stored, no lender named.

Who it is for.

Households weighing an offer

See the true cost of the financing before signing, from the offer sheet you already hold.

Housing counselors and program staff

Walk an applicant through an offer's real cost with arithmetic instead of opinions.

Utilities and public program administrators

Give consumer-protection guidance a neutral tool instead of naming lenders.

How it works.

Enter the offer

Cash price, financed price, advertised rate, term, and any monthly fee.

Read both rates

The advertised rate beside the effective rate against cash. The gap is the point.

Decide informed

Total of payments, cost of financing, and the markup in dollars, stated plainly.

What it does, and what it deliberately does not.

Effective does	Effective does not
Computes standard amortization arithmetic on user-entered numbers	Does not give lending, tax, or legal advice, and is not an offer
Makes embedded markup visible as rate and dollars	Does not name, rate, or make claims about any lender

Effective does

Computes standard amortization arithmetic on user-entered numbers

Effective does not

Does not give lending, tax, or legal advice, and is not an offer

Effective does

Makes embedded markup visible as rate and dollars

Effective does not

Does not name, rate, or make claims about any lender

Availability.

The financing check is live today as a public self-serve tool, no account required, nothing stored. Program-branded financing education surfaces are arranged with WattShed directly.

Check an offer Talk to WattShed

The rest of WattShed Design and Pricing

01 / DesignDesignerDesign and price a rebate program before a dollar moves.02 / PriceEngineThe methodology engine behind every WattShed figure.03 / PriceStackEvery funding source, one project, no double dipping.04 / PriceShiftWhich rate plan actually costs less, on your usage.06 / PriceBlendWho gets what, when the building and the bills belong to different people.07 / PriceItemizeA quote the homeowner can actually read.08 / PriceTallyThree offers on the table. One honest way to line them up.

The other suites

02 / WattShed ApplicationsOne application surface that enforces the program's rules and loses no one on the way in.03 / WattShed Field AssessmentEverything a field visit needs to know about one home, in the order the visit needs it.04 / WattShed VerificationCheck the evidence before anyone is paid, and send what the checks cannot settle to a person.05 / WattShed OperationsRun a live program: budget, contractors, job costs, payments, and the systems you already use.06 / WattShed ReportingTurn program data into a number a regulator, a board, or a utility partner can trust.