The short answer
The girl math on a new furnace and AC in Northern Virginia says it’s one small monthly number, so it’s barely a purchase. The real math: the price is the price, and the plan decides whether you pay more than that. On 0% for 60 months, you don’t. On a longer plan, the payment drops and the total goes up. That’s the whole trick, and once you know it you can do any math you like.
The real numbers
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| System | Starting price | Monthly |
|---|---|---|
| Furnace and AC, two ton | $8,898 | From about $148 a month at 0% APR for 60 months, the whole price financed, on approved credit. |
| 50 gallon electric water heater | $2,778 | From about $46 a month at 0% APR for 60 months, the whole price financed, on approved credit. |
| 50 gallon gas water heater | $3,238 | From about $54 a month at 0% APR for 60 months, the whole price financed, on approved credit. |
Monthly figures: 60mo @ 0% APR on each starting price, the whole price financed, on approved credit. Longer plans lower the payment and cost more in total. The lender sets the final terms. The $1,500 off a new system is already in the estimator’s price, and the $500 off a water heater is already in those prices, so neither comes off a second time. You’ll find your size in the HVAC estimator and the water heater estimator.
The $67 Heating Check
We check your furnace, heat pump or boiler before winter. Through December 31. See the offer
Girl math, worked out
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| The girl math | The real math |
|---|---|
| It’s already discounted, so I should buy it before I lose the money. | A discount is only money if you needed the thing. A working system doesn’t need replacing because the price is good. |
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| The girl math | The real math |
|---|---|
| Zero percent means it’s free, just slowly. | Zero percent means you pay the price and no interest, on approved credit, spread over 60 months. Close to the nicest version of this joke, and it still adds up to the whole price. |
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| The girl math | The real math |
|---|---|
| The longer plan has a smaller payment, so it’s the cheaper one. | Longer plans lower the payment and cost more in total. A smaller payment can be the right call for your budget. Just know which number you’re choosing. |
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| The girl math | The real math |
|---|---|
| I got three quotes, so whichever I pick, I saved the difference from the highest one. | Plenty of people do it this way. Read what’s on each one first with our guide to reading a replacement quote. |
The two questions that beat all the math
First, does it need replacing at all? The second opinion is free, and you don’t owe us anything for looking. Money you didn’t spend is the one rule of girl math nobody can argue with. Second, how old is it? The equipment age decoder reads a furnace or AC serial number and the water heater age lookup reads a tank’s.
The longer cost guides are what a new furnace costs and what a water heater replacement costs. The rest of the rules live in girl math for home repairs.
Book it
See your price: goswiftpro.com/estimator or goswiftpro.com/water-heater-estimator. Or call (703) 997-9757. Rated 5.0 stars across 1,138 reviews on Google, Angi, Yelp, the BBB and Facebook, Virginia Class A license 2705192276. Every deal we run is on our offers page.
Questions people ask
Is the monthly payment the real price of a new system?
No, the price is the price. The monthly number tells you how it’s spread out. On 0% for 60 months, the payments add up to the price. Longer plans lower the payment and cost more in total.
Is 0% financing really free?
There’s no interest on the 0% plan, on approved credit, so you pay the price over 60 months. The lender sets the final terms.
Do I need to replace my system because there’s a discount?
No. If it’s working and sound, keep it. Our second opinion is free if somebody already told you otherwise.
Is the water heater discount already in the price?
Yes. The $500 is already taken off the price you see, so nothing comes off again.
