Extended Warranty Refund Calculator
Cancelled — or thinking of cancelling — a dealer extended warranty, service contract, or other F&I add-on? Estimate the prorated refund you may be owed for the unused portion. Free, instant, and private — nothing is stored or sent.
Free estimate · No signup · No credit card
Enter your numbers above to see your estimated refund.
See which of your add-ons appear cancellable
Upload your purchase agreement or F&I contract for a free analysis — see which add-ons may be cancellable and prorated for a refund. If you decide to act, we can generate a cancellation letter.
Free analysis · No signup · Optional cancellation letter ($29) only if you act
How to calculate an extended warranty refund
Your contract's cancellation section sets the method. Most use a pro-rata refund of the unused part, worked out like this:
- Find the price you paid for the contract, on the contract itself or the add-on line of your retail installment contract.
- Work out the unused share: months left divided by total months. Some contracts count miles instead, or whichever of time and miles leaves less unused.
- Multiply the price by the unused share.
- Subtract the cancellation fee your contract and state allow, and claims paid if the contract deducts them. Texas, for example, allows no fee in the first 30 days and up to $50 after (Tex. Occ. Code § 1304.1581).
Example: a $2,400 contract for 60 months, cancelled after 18 months, has 42 of 60 months unused (70%), so $2,400 × 70% = $1,680; less a $50 fee, the refund is $1,630.
A few older contracts use the Rule of 78s, which returns less late in the term. This calculator uses the straight pro-rata-by-time method as a ballpark; your contract has the final word.
Calculator FAQs
Is this extended warranty refund calculator free?
Yes. The estimate is completely free, runs in your browser, and requires no signup or card. Nothing you enter is stored or sent anywhere.
How accurate is the estimate?
It uses the standard pro-rata method (unused months ÷ total months × what you paid, minus any cancellation fee). Your actual refund depends on your contract and state law — some contracts prorate by mileage instead of time or use the Rule of 78s, and several states cap or bar cancellation fees. Treat this as a ballpark and confirm against your service contract.
Does cancelling my extended warranty affect my loan?
If the add-on was financed, the refund is often applied to your loan balance rather than paid to you directly while the loan is open. Once the loan is paid off, the refund can generally be issued to you. Your lender and contract terms control where the money goes.
When would I actually pay anything?
Only if you choose to generate a formal cancellation letter to request the refund — and that decision comes after you see your free estimate. The calculator itself never charges you.
This calculator provides a general estimate, not legal or financial advice, and does not guarantee a refund or any amount. Refund eligibility and the exact calculation depend on your contract and your state. Last reviewed: June 2026.