Home Security
True Cost Calculator

What This Calculator Does

Most home security companies advertise low monthly rates — $19.99, $29.99, $39.99. But the true cost includes equipment financing, installation fees, rate increases after the first year, and early termination penalties that can run $500 or more. This calculator reveals the full picture: your real cost over the life of the contract, compared to what you'd pay with a no-contract alternative. Enter your current plan details and see the numbers side by side.

Who It's For

This tool is built for homeowners and renters currently paying for a monitored security plan — or considering one. If you're stuck in a contract with ADT, Vivint, Brinks, or another provider, use this calculator to see exactly how much you're spending versus what comparable service would cost without a long-term commitment. It's also useful if you're comparing quotes and want to normalize the numbers before signing anything.

What to Do With Your Results

After running the calculation, you'll see your total contract cost, annual effective rate, and potential savings with alternatives. Use these numbers to negotiate with your current provider, decide whether to wait out your contract or pay the termination fee, or choose a new system. Our no-monthly-fee security guide pairs well with this tool.

Is professional monitoring worth the cost?

It depends on your situation. Professional monitoring dispatches police or fire automatically — valuable if you travel often or have mobility issues. But self-monitoring systems with phone alerts work well for most households and save $200–$600 per year.

Can I cancel my monitoring contract early?

Usually yes, but with a penalty. Most contracts charge 75–100% of the remaining balance. This calculator shows whether paying the termination fee and switching still saves you money long-term.

What counts as a hidden cost?

Equipment lease fees, annual rate hikes (typically 3–5% per year), permit fees required by your city, false alarm fines, and the cost of replacing proprietary hardware you can't take with you if you switch providers.