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How to Budget for a New Dishwasher

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How to Budget for a New Dishwasher

Upgrade your kitchen by timing your purchase with holiday sales and breaking the cost into manageable monthly payments.

VoAtlas editorial Updated · 3 min read
Typical cost $850 before anything else
Across the 0% window $47.22/mo 18 months, no interest

How we got that: $850 spread evenly across the 18-month introductory window on the Citi Simplicity® Credit Card. Checked · at the bank Carry a balance past the window and the standard APR applies to what is left.

A new dishwasher changes your daily routine by finally ending the cycle of hand-washing or dealing with leaks. October is the best time to look, as retailers drop prices ahead of the major holiday shopping season to move old inventory.

Before you commit, get at least three quotes from local installers to compare labor costs. Hidden fees for haul-away services or new hoses can add up quickly, so be sure those are included in your written estimate.

That 0% window is a deadline, not free money. If you have any balance left after the 18 months, the bank will charge you interest on the remaining amount at a much higher rate.

The steps

  1. 01

    Pick your model

    Research the features you actually need, like a quiet motor or specific rack configurations. Stick to the $850 range to find a reliable machine that performs well without paying for unnecessary bells and whistles.

  2. 02

    Get multiple quotes

    Call three local appliance shops or contractors for a total installation price. Ask them to itemize the costs for the unit, delivery, and taking away your old machine.

  3. 03

    Use your card terms

    If you pay with the Citi Simplicity® Credit Card, you get 0% for 18 months on purchases and balance transfers from date of account opening. This lets you spread the cost over a long window without paying interest.

  4. 04

    Set an auto-pay

    Divide the total cost of $850 by 18 to get a monthly payment of $47.22. Set up an automatic transfer from your checking account to ensure you pay that amount every month.

  5. 05

    Confirm the install date

    Schedule the delivery for a weekday when you can be home. Make sure the space is cleared of old items so the installer can get to work immediately.

  6. 06

    Check the card terms before you commit

    Every figure we publish for the Citi Simplicity® Credit Card carries the date a person verified it against Citi and a link to where they checked. Intro windows and APRs change without notice, so confirm the current terms before applying.

    See Citi Simplicity® Credit Card terms →

Common questions

Should I pay for an extended warranty?

Usually, no. Most manufacturer warranties cover the critical parts for the first year, which is when defects typically show up.

Is it worth installing it myself?

Only if you are comfortable with basic plumbing and electrical work. If you mess up the water lines, the cost of a flood will far outweigh the savings on labor.

Do I really need to get three quotes?

Yes, because installation costs vary wildly. One shop might include delivery in the price while another hits you with an extra fee after the fact.

What happens if I miss a payment?

Missing a payment can void your 0% offer entirely. Always pay at least the minimum on time to keep the deal in place.