Plumbing
Electrical
Roofing
HVAC
Painting
Flooring
General Handyman
Select the primary type of repair needed.
Simple (e.g., leaky faucet, light switch)
Moderate (e.g., minor pipe repair, outlet replacement)
Complex (e.g., full pipe reroute, circuit breaker panel upgrade)
Indicates the difficulty and time required.
Cost of all materials, parts, and supplies.
Total hours a professional would likely spend.
Typical cost per hour for a skilled tradesperson in your area.
If required by your local municipality.
5%
10%
15%
20%
Recommended for unexpected issues.
Your Estimated Home Repair Cost
$0.00
Labor Cost: $0.00
Total Material Cost: $0.00
Subtotal (Materials + Labor): $0.00
Contingency Amount: $0.00
How it's calculated:
Total Estimated Cost = (Estimated Labor Hours * Average Hourly Labor Rate * Complexity Factor) + Estimated Material Cost + Permit Fees + (Subtotal * Contingency Percentage)
Repair Cost Breakdown
Category
Estimated Cost
Materials
$0.00
Labor
$0.00
Permit Fees
$0.00
Contingency Buffer
$0.00
Total Estimated Cost
$0.00
Cost Distribution
Legend: Materials, Labor, Permits, Contingency
What is a Home Repair Cost Calculator?
A home repair cost calculator is an online tool designed to help homeowners estimate the potential expenses associated with various home maintenance and repair projects. It takes into account key variables such as the type of repair, complexity, material costs, labor hours, hourly rates, potential permit fees, and a contingency buffer for unforeseen issues. This calculator serves as a valuable budgeting tool, providing a realistic financial outlook before committing to a project.
Who should use it?
Any homeowner planning or considering home repairs, renovations, or maintenance should utilize a home repair cost calculator. This includes individuals looking to budget for immediate needs, plan for future projects, or compare quotes from different contractors. It's particularly useful for understanding the financial implications of DIY versus professional services.
Common misconceptions about home repair costs often include underestimating the impact of labor rates, overlooking permit requirements, and failing to budget for unexpected problems that frequently arise during renovations. Many also assume material costs are fixed, not realizing prices can fluctuate based on quality and availability.
Home Repair Cost Calculator Formula and Mathematical Explanation
The core of the home repair cost calculator relies on a straightforward yet comprehensive formula to estimate the total project expense. It breaks down the cost into several key components:
Step-by-step derivation:
Calculate Base Labor Cost: This is the fundamental cost of hiring a professional. It's determined by multiplying the estimated hours needed for the job by the professional's hourly rate.
Apply Complexity Factor: Not all tasks of the same type take the same amount of time or skill. A complexity factor adjusts the base labor cost to reflect whether the job is simple, moderate, or complex.
Calculate Adjusted Labor Cost: Multiply the Base Labor Cost by the Complexity Factor.
Calculate Subtotal: Sum the Adjusted Labor Cost, the Estimated Material Cost, and any Permit Fees.
Calculate Contingency Amount: A percentage of the Subtotal is added as a buffer for unexpected expenses. This is calculated by multiplying the Subtotal by the chosen Contingency Percentage.
Calculate Total Estimated Cost: Add the Subtotal and the Contingency Amount.
Variable explanations:
Estimated Labor Hours: The anticipated number of hours a professional will work on the repair.
Average Hourly Labor Rate: The cost per hour charged by a skilled tradesperson.
Complexity Factor: A multiplier (e.g., 1.0 for simple, 1.5 for moderate, 2.0 for complex) that adjusts labor time/cost based on difficulty.
Estimated Material Cost: The sum of all necessary parts, supplies, and materials.
Permit Fees: Costs charged by local authorities for necessary permits.
Contingency Percentage: A buffer percentage (e.g., 10%) added to cover unforeseen issues.
Variables Table:
Variables Used in Home Repair Cost Calculation
Variable
Meaning
Unit
Typical Range
Estimated Labor Hours
Time required for the repair
Hours
1 – 40+
Average Hourly Labor Rate
Cost per hour for a professional
USD ($)
$50 – $150+
Complexity Factor
Adjustment for job difficulty
Multiplier
1.0 – 2.5
Estimated Material Cost
Cost of parts and supplies
USD ($)
$50 – $5,000+
Permit Fees
Governmental approval costs
USD ($)
$0 – $1,000+
Contingency Percentage
Buffer for unexpected costs
Percentage (%)
5% – 20%
Practical Examples (Real-World Use Cases)
Let's illustrate how the home repair cost calculator works with practical scenarios:
Example 1: Leaky Faucet Repair
A homeowner notices a persistent drip from their kitchen faucet. They decide to get an estimate for a professional repair.
Type of Repair: Plumbing
Complexity: Simple (1.0)
Estimated Material Cost: $35 (new cartridge, plumber's tape)
Estimated Labor Hours: 1.5 hours
Average Hourly Labor Rate: $80
Permit Fees: $0 (typically not required for minor plumbing)
Interpretation: The calculator estimates the repair will cost around $170.50, providing a clear budget figure. This helps the homeowner decide if they want to proceed or consider a DIY approach.
Example 2: Replacing a Section of Damaged Roof Shingles
After a storm, a homeowner discovers a few missing shingles on their roof and wants an estimate for professional repair.
Type of Repair: Roofing
Complexity: Moderate (1.5) – requires ladder work and careful matching
Estimated Material Cost: $150 (new shingles, sealant, nails)
Estimated Labor Hours: 4 hours
Average Hourly Labor Rate: $90
Permit Fees: $75 (local regulations may require a minor repair permit)
Interpretation: The estimated cost for the roof repair is approximately $880. This figure accounts for the increased complexity and potential permit costs, giving the homeowner a realistic expectation for budgeting. This is a good example of when understanding factors affecting costs is crucial.
How to Use This Home Repair Cost Calculator
Using the home repair cost calculator is simple and intuitive. Follow these steps to get your estimated repair cost:
Select Repair Type: Choose the category that best fits your repair needs from the dropdown menu (e.g., Plumbing, Electrical, Roofing).
Set Complexity: Indicate the difficulty level of the repair (Simple, Moderate, Complex). This helps adjust the estimated labor time and cost.
Input Material Costs: Enter your best estimate for the cost of all necessary materials, parts, and supplies. If you're unsure, research typical costs for your specific repair.
Estimate Labor Hours: Provide an estimate of how many hours a professional tradesperson would likely spend on the job. Consider the scope and complexity.
Enter Hourly Rate: Input the average hourly labor rate for skilled professionals in your geographic area. Rates can vary significantly by location.
Add Permit Fees (If Applicable): If you know a permit is required or suspect it might be, enter the estimated cost. If unsure, consult your local building department.
Choose Contingency Buffer: Select a percentage (5%-20%) to add as a buffer for unexpected issues that often arise during repairs. A higher percentage is recommended for older homes or more complex projects.
How to read results:
Primary Result: The large, highlighted number is your Total Estimated Cost. This is the most crucial figure for budgeting.
Intermediate Values: Labor Cost, Total Material Cost, Subtotal, and Contingency Amount provide a breakdown, showing where the money is allocated.
Cost Breakdown Table: Offers a clear, tabular view of each cost component.
Cost Distribution Chart: Visually represents the proportion of the total cost attributed to each category (Materials, Labor, Permits, Contingency).
Decision-making guidance:
Use the total estimated cost to determine if the repair fits within your budget.
Compare the estimated cost to quotes from actual contractors. Remember, this is an estimate.
If the estimated cost is high, consider if a DIY approach is feasible for parts of the project, or if you can postpone the repair.
The contingency buffer is vital; always be prepared for costs to exceed the initial estimate.
Key Factors That Affect Home Repair Costs
Several elements can significantly influence the final cost of a home repair project, impacting the accuracy of any home repair cost calculator estimate. Understanding these factors is key to effective budgeting and financial planning.
Geographic Location: Labor rates and material costs vary dramatically by region. Major metropolitan areas typically have higher costs than rural areas due to demand and cost of living. This is why inputting an accurate average hourly labor rate is critical.
Material Quality and Type: The choice of materials significantly impacts cost. For example, selecting high-end granite countertops versus laminate, or premium hardwood flooring versus vinyl, will drastically change the estimated material cost.
Contractor's Experience and Reputation: Highly experienced or in-demand contractors may charge higher rates but can often work more efficiently and provide superior quality, potentially saving money in the long run by avoiding future issues. This relates to the complexity factor and the hourly rate.
Urgency of the Repair: Emergency repairs (e.g., burst pipe in winter) often incur higher costs due to the need for immediate service and potentially overtime labor charges. This urgency might also necessitate paying a premium for materials.
Scope Creep: During a repair, homeowners might decide to add more work or upgrade materials, leading to an expansion of the project's scope. This "scope creep" directly increases both material and labor costs, often exceeding initial estimates. This highlights the importance of the contingency buffer.
Permit Requirements and Inspections: Depending on the location and the nature of the repair (especially structural, electrical, or plumbing work), permits may be mandatory. The cost of these permits, plus potential inspection fees, adds to the overall expense. Failing to obtain necessary permits can lead to fines and the requirement to redo work.
Accessibility and Site Conditions: Difficult-to-access areas (e.g., working in tight crawl spaces, high ceilings, or on steep roofs) can increase labor time and require specialized equipment, thus raising costs. Poor site conditions might also necessitate additional prep work.
Economic Factors (Inflation, Supply Chain): Broader economic trends like inflation can drive up the cost of materials and labor over time. Supply chain disruptions can also lead to shortages and price increases for specific components, affecting the estimated material cost.
Frequently Asked Questions (FAQ)
Q: How accurate is a home repair cost calculator?
A: A home repair cost calculator provides an estimate based on typical values. Actual costs can vary due to specific site conditions, contractor pricing, material availability, and unforeseen issues. It's a budgeting tool, not a fixed quote.
Q: Should I always include a contingency buffer?
A: Yes, it is highly recommended. Unexpected problems are common in home repairs, especially in older homes. A buffer (typically 10-20%) helps prevent budget overruns.
Q: What's the difference between material cost and labor cost?
A: Material cost covers the physical items needed for the repair (e.g., pipes, wires, shingles, paint). Labor cost covers the time and expertise of the professional performing the work.
Q: When are permit fees typically required?
A: Permit fees are usually required for work that affects the structure, electrical, plumbing, or mechanical systems of a home. Minor cosmetic repairs often do not require permits. Always check with your local building department.
Q: Can I use this calculator for large renovation projects?
A: While the calculator can provide a rough estimate for smaller renovation components, it's best suited for specific repair tasks. Large-scale renovations often require detailed quotes from multiple contractors. Consider using a home renovation budget planner for larger projects.
Q: How do I find the right hourly labor rate for my area?
A: Research local tradespeople, check online reviews, and get preliminary quotes. Industry associations or local building supply stores may also offer insights into typical rates.
Q: What if the actual cost is much higher than the calculator estimate?
A: This can happen due to the factors mentioned above. If costs escalate significantly, reassess your budget, discuss options with your contractor (e.g., phasing the project, using alternative materials), or seek additional financing if necessary.
Q: Is it cheaper to do repairs myself (DIY)?
A: DIY can save on labor costs, but you must factor in the cost of tools, materials, your time, and the risk of making mistakes that could lead to more expensive repairs later. For complex or safety-critical jobs (electrical, structural), professional help is usually advised.
Related Tools and Internal Resources
Home Equity Loan Calculator: Explore financing options for major home repairs or renovations using your home's equity.
Mortgage Affordability Calculator: Understand how potential home repair loan payments might affect your overall mortgage affordability.
Home Improvement ROI Calculator: Estimate the potential return on investment for specific home upgrades that might be part of a larger repair project.
Emergency Fund Calculator: Determine how much you need in savings to cover unexpected home repairs and other emergencies.
Personal Loan Calculator: Compare potential costs of financing home repairs through personal loans versus other methods.
DIY vs. Professional Cost Analyzer: A tool to help weigh the costs and benefits of tackling repairs yourself versus hiring a professional.
var repairTypeSelect = document.getElementById('repairType');
var repairComplexitySelect = document.getElementById('repairComplexity');
var materialCostInput = document.getElementById('materialCost');
var laborHoursInput = document.getElementById('laborHours');
var hourlyRateInput = document.getElementById('hourlyRate');
var permitCostInput = document.getElementById('permitCost');
var contingencyPercentageSelect = document.getElementById('contingencyPercentage');
var primaryResultDiv = document.getElementById('primary-result');
var laborCostSpan = document.getElementById('laborCost').querySelector('span');
var totalMaterialCostSpan = document.getElementById('totalMaterialCost').querySelector('span');
var subtotalSpan = document.getElementById('subtotal').querySelector('span');
var contingencyAmountSpan = document.getElementById('contingencyAmount').querySelector('span');
var tableMaterialCostTd = document.getElementById('tableMaterialCost');
var tableLaborCostTd = document.getElementById('tableLaborCost');
var tablePermitCostTd = document.getElementById('tablePermitCost');
var tableContingencyTd = document.getElementById('tableContingency');
var tableTotalCostTd = document.getElementById('tableTotalCost');
var ctx;
var costDistributionChart;
function formatCurrency(amount) {
return "$" + amount.toFixed(2).replace(/\d(?=(\d{3})+\.)/g, '$&,');
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function validateInput(inputId, errorId, minValue = 0, maxValue = Infinity) {
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if (value maxValue) {
errorDiv.textContent = "Value is too high.";
errorDiv.style.display = 'block';
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function calculateHomeRepairCost() {
// Validate inputs
var isValidMaterial = validateInput('materialCost', 'materialCostError');
var isValidLaborHours = validateInput('laborHours', 'laborHoursError');
var isValidHourlyRate = validateInput('hourlyRate', 'hourlyRateError');
var isValidPermit = validateInput('permitCost', 'permitCostError');
if (!isValidMaterial || !isValidLaborHours || !isValidHourlyRate || !isValidPermit) {
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primaryResultDiv.textContent = formatCurrency(0);
laborCostSpan.textContent = formatCurrency(0);
totalMaterialCostSpan.textContent = formatCurrency(0);
subtotalSpan.textContent = formatCurrency(0);
contingencyAmountSpan.textContent = formatCurrency(0);
tableMaterialCostTd.textContent = formatCurrency(0);
tableLaborCostTd.textContent = formatCurrency(0);
tablePermitCostTd.textContent = formatCurrency(0);
tableContingencyTd.textContent = formatCurrency(0);
tableTotalCostTd.textContent = formatCurrency(0);
updateChart(0, 0, 0, 0);
return;
}
var materialCost = parseFloat(materialCostInput.value);
var laborHours = parseFloat(laborHoursInput.value);
var hourlyRate = parseFloat(hourlyRateInput.value);
var permitCost = parseFloat(permitCostInput.value);
var complexityFactor = parseFloat(repairComplexitySelect.value);
var contingencyPercentage = parseFloat(contingencyPercentageSelect.value);
// Calculations
var baseLaborCost = laborHours * hourlyRate;
var adjustedLaborCost = baseLaborCost * complexityFactor;
var subtotal = adjustedLaborCost + materialCost + permitCost;
var contingencyAmount = subtotal * contingencyPercentage;
var totalEstimatedCost = subtotal + contingencyAmount;
// Update results display
primaryResultDiv.textContent = formatCurrency(totalEstimatedCost);
laborCostSpan.textContent = formatCurrency(adjustedLaborCost);
totalMaterialCostSpan.textContent = formatCurrency(materialCost);
subtotalSpan.textContent = formatCurrency(subtotal);
contingencyAmountSpan.textContent = formatCurrency(contingencyAmount);
// Update table
tableMaterialCostTd.textContent = formatCurrency(materialCost);
tableLaborCostTd.textContent = formatCurrency(adjustedLaborCost);
tablePermitCostTd.textContent = formatCurrency(permitCost);
tableContingencyTd.textContent = formatCurrency(contingencyAmount);
tableTotalCostTd.textContent = formatCurrency(totalEstimatedCost);
// Update chart
updateChart(materialCost, adjustedLaborCost, permitCost, contingencyAmount);
}
function updateRepairDetails() {
var selectedRepair = repairTypeSelect.value;
var complexityOptions = repairComplexitySelect.options;
var materialCost = 200; // Default
var laborHours = 4; // Default
var hourlyRate = 75; // Default
var permitCost = 50; // Default
switch (selectedRepair) {
case 'plumbing':
complexityOptions[0].text = "Simple (e.g., leaky faucet, toilet flapper)";
complexityOptions[1].text = "Moderate (e.g., minor pipe repair, faucet replacement)";
complexityOptions[2].text = "Complex (e.g., full pipe reroute, sewer line issue)";
materialCost = 250; laborHours = 3; hourlyRate = 80; permitCost = 75;
break;
case 'electrical':
complexityOptions[0].text = "Simple (e.g., light switch, outlet replacement)";
complexityOptions[1].text = "Moderate (e.g., new circuit, fixture installation)";
complexityOptions[2].text = "Complex (e.g., panel upgrade, rewiring)";
materialCost = 150; laborHours = 2; hourlyRate = 90; permitCost = 100;
break;
case 'roofing':
complexityOptions[0].text = "Simple (e.g., patch small leak, replace few shingles)";
complexityOptions[1].text = "Moderate (e.g., repair section, flashing replacement)";
complexityOptions[2].text = "Complex (e.g., large area repair, full roof replacement)";
materialCost = 500; laborHours = 6; hourlyRate = 85; permitCost = 150;
break;
case 'hvac':
complexityOptions[0].text = "Simple (e.g., filter change, thermostat adjustment)";
complexityOptions[1].text = "Moderate (e.g., minor repair, duct cleaning)";
complexityOptions[2].text = "Complex (e.g., component replacement, system recharge)";
materialCost = 300; laborHours = 4; hourlyRate = 100; permitCost = 120;
break;
case 'painting':
complexityOptions[0].text = "Simple (e.g., touch-up, single small room)";
complexityOptions[1].text = "Moderate (e.g., multiple rooms, trim work)";
complexityOptions[2].text = "Complex (e.g., entire house exterior, intricate details)";
materialCost = 100; laborHours = 8; hourlyRate = 60; permitCost = 0;
break;
case 'flooring':
complexityOptions[0].text = "Simple (e.g., repair small area, replace few tiles)";
complexityOptions[1].text = "Moderate (e.g., single room installation)";
complexityOptions[2].text = "Complex (e.g., multiple rooms, subfloor repair)";
materialCost = 400; laborHours = 5; hourlyRate = 70; permitCost = 50;
break;
case 'general':
default:
complexityOptions[0].text = "Simple (e.g., hanging shelf, minor fix)";
complexityOptions[1].text = "Moderate (e.g., assembling furniture, small repairs)";
complexityOptions[2].text = "Complex (e.g., multiple tasks, minor carpentry)";
materialCost = 100; laborHours = 3; hourlyRate = 75; permitCost = 0;
break;
}
// Update select options text if needed (though not directly supported by )
// For simplicity, we'll just update the default values
materialCostInput.value = materialCost;
laborHoursInput.value = laborHours;
hourlyRateInput.value = hourlyRate;
permitCostInput.value = permitCost;
// Update complexity factor based on the default values set above
if (selectedRepair === 'roofing' || selectedRepair === 'hvac' || selectedRepair === 'electrical') {
repairComplexitySelect.value = '1.5'; // Default to moderate for potentially more involved repairs
} else {
repairComplexitySelect.value = '1.0'; // Default to simple
}
calculateHomeRepairCost(); // Recalculate with new defaults
}
function resetCalculator() {
repairTypeSelect.value = 'plumbing';
repairComplexitySelect.value = '1.0';
materialCostInput.value = '200';
laborHoursInput.value = '4';
hourlyRateInput.value = '75';
permitCostInput.value = '50';
contingencyPercentageSelect.value = '0.10';
// Clear error messages
var errorDivs = document.querySelectorAll('.error-message');
for (var i = 0; i < errorDivs.length; i++) {
errorDivs[i].style.display = 'none';
}
updateRepairDetails(); // Update based on reset values
calculateHomeRepairCost(); // Recalculate
}
function copyResults() {
var primaryResult = primaryResultDiv.textContent;
var laborCost = laborCostSpan.textContent;
var totalMaterialCost = totalMaterialCostSpan.textContent;
var subtotal = subtotalSpan.textContent;
var contingencyAmount = contingencyAmountSpan.textContent;
var materialCostVal = tableMaterialCostTd.textContent;
var laborCostVal = tableLaborCostTd.textContent;
var permitCostVal = tablePermitCostTd.textContent;
var contingencyVal = tableContingencyTd.textContent;
var totalCostVal = tableTotalCostTd.textContent;
var assumptions = [
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"Complexity: " + repairComplexitySelect.options[repairComplexitySelect.selectedIndex].text + " (" + repairComplexitySelect.value + ")",
"Material Cost: " + materialCostVal,
"Labor Hours: " + laborHoursInput.value,
"Hourly Rate: " + formatCurrency(parseFloat(hourlyRateInput.value)),
"Permit Fees: " + permitCostVal,
"Contingency: " + (parseFloat(contingencyPercentageSelect.value) * 100) + "%"
];
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textToCopy += "- Total Material Cost: " + totalMaterialCost + "\n";
textToCopy += "- Subtotal: " + subtotal + "\n";
textToCopy += "- Contingency Amount: " + contingencyAmount + "\n\n";
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textToCopy += "Labor: " + laborCostVal + "\n";
textToCopy += "Permits: " + permitCostVal + "\n";
textToCopy += "Contingency: " + contingencyVal + "\n";
textToCopy += "Total: " + totalCostVal + "\n\n";
textToCopy += "Key Assumptions:\n" + assumptions.join("\n") + "\n";
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var textArea = document.createElement("textarea");
textArea.value = textToCopy;
textArea.style.position = "fixed"; // Avoid scrolling to bottom
textArea.style.opacity = "0";
document.body.appendChild(textArea);
textArea.focus();
textArea.select();
try {
var successful = document.execCommand('copy');
var msg = successful ? 'Results copied!' : 'Copying failed!';
console.log(msg);
// Optionally show a temporary message to the user
var copyButton = document.querySelector('button.primary');
var originalText = copyButton.textContent;
copyButton.textContent = msg;
setTimeout(function() {
copyButton.textContent = originalText;
}, 2000);
} catch (err) {
console.error('Fallback: Oops, unable to copy', err);
// Optionally show a temporary message to the user
var copyButton = document.querySelector('button.primary');
var originalText = copyButton.textContent;
copyButton.textContent = 'Copy Failed!';
setTimeout(function() {
copyButton.textContent = originalText;
}, 2000);
}
document.body.removeChild(textArea);
}
function updateChart(materials, labor, permits, contingency) {
var total = materials + labor + permits + contingency;
var dataSeries1 = [materials, labor, permits, contingency];
var labels = ['Materials', 'Labor', 'Permits', 'Contingency'];
// Ensure chart is initialized
if (!ctx) {
var canvas = document.getElementById('costDistributionChart');
ctx = canvas.getContext('2d');
}
// Destroy previous chart instance if it exists
if (costDistributionChart) {
costDistributionChart.destroy();
}
// Create new chart
costDistributionChart = new Chart(ctx, {
type: 'doughnut', // Use doughnut for better visual separation of components
data: {
labels: labels,
datasets: [{
label: 'Cost Distribution',
data: dataSeries1,
backgroundColor: [
'rgba(54, 162, 235, 0.7)', // Blue for Materials
'rgba(255, 99, 132, 0.7)', // Red for Labor
'rgba(255, 206, 86, 0.7)', // Yellow for Permits
'rgba(75, 192, 192, 0.7)' // Green for Contingency
],
borderColor: [
'rgba(54, 162, 235, 1)',
'rgba(255, 99, 132, 1)',
'rgba(255, 206, 86, 1)',
'rgba(75, 192, 192, 1)'
],
borderWidth: 1
}]
},
options: {
responsive: true,
maintainAspectRatio: false,
plugins: {
legend: {
position: 'top',
},
title: {
display: true,
text: 'Cost Breakdown by Category'
}
},
// Tooltips can be customized further if needed
}
});
}
// Initial calculation and chart setup on page load
document.addEventListener('DOMContentLoaded', function() {
updateRepairDetails(); // Set initial values based on default repair type
calculateHomeRepairCost(); // Perform initial calculation
// Initialize chart with zero values before first calculation
updateChart(0, 0, 0, 0);
});
// Add Chart.js library dynamically if not present (for demonstration purposes)
// In a real production environment, you'd include this in your or via a build process.
if (typeof Chart === 'undefined') {
var script = document.createElement('script');
script.src = 'https://cdn.jsdelivr.net/npm/chart.js@3.7.0/dist/chart.min.js'; // Use a specific version
script.onload = function() {
console.log('Chart.js loaded.');
// Re-initialize chart after library load if needed
if (document.readyState === 'complete') {
updateChart(0, 0, 0, 0); // Initialize chart after library load
calculateHomeRepairCost(); // Recalculate after library load
}
};
document.head.appendChild(script);
} else {
// If Chart.js is already loaded, ensure chart is initialized
updateChart(0, 0, 0, 0);
calculateHomeRepairCost();
}