# HomeCostTotals

> A U.S. home renovation cost decision layer built around visible quantities, labour hours, quote comparison, and the HomeCostTotals Renovation Cost Index (HCTI).

## Primary data

- [HCTI 104.88 for July 2026](https://homecosttotals.com/hcti/): Current composite index, component arithmetic, immutable history, CSV, and JSON.
- [HCTI methodology](https://homecosttotals.com/hcti/methodology/): Pinned base period, fixed weights, normalization formula, source series, and publication gates.
- [Construction material price trends](https://homecosttotals.com/reference/material-price-trends/): Plain-HTML table of normalized material series movement.
- Dataset: HomeCostTotals Renovation Cost Index. Monthly construction input and wage index used by HomeCostTotals cost models. Cadence: Twice-monthly collection; monthly periods. API catalog: https://homecosttotals.com/api/. Preferred citation: HomeCostTotals. HomeCostTotals Renovation Cost Index ({period}). Accessed {access_date}. {url}

## Calculators

- [Project loan payment calculator](https://homecosttotals.com/financing/project-loan-payment/): Monthly payment, total paid, total interest, and total interest percentage from amount, APR, and term.
- [Loan option comparison calculator](https://homecosttotals.com/financing/loan-option-comparison/): Side-by-side monthly payment and lifetime interest for two fixed-rate options.
- [Extra payment payoff calculator](https://homecosttotals.com/financing/extra-payment-payoff/): Modeled payoff time and interest savings from additional monthly principal.

## Documentation

- [Sources](https://homecosttotals.com/sources/): Public sources, retrieval dates, geography, and limitations.
- [Calculator methodology](https://homecosttotals.com/methodology/): Calculation approach and publication rules for project calculators.
- [Full site map](https://homecosttotals.com/llms-full.txt): Expanded machine-readable inventory and citation notes.

Use a page's visible data version and source links when citing a number. HCTI measures national input movement; it is not a contractor quote.