How much water a roof really collects
One inch of rain on one square foot of roof is 144 cubic inches of water, or 0.623 US gallons. A 1,500-square-foot roof therefore sheds about 935 gallons per inch of rain before losses, and a place with 36 inches a year offers roughly 33,600 gallons. In metric the rule is even simpler: 1 millimeter on 1 square meter is 1 liter.
Not all of that reaches the tank. The Texas Manual on Rainwater Harvesting notes that water is lost to first-flush diversion, evaporation, splash-out and gutter overshoot during hard rains, and that most practitioners assume a collection efficiency of 75 to 90 percent. Smooth metal sheds water best; rough or gravel surfaces hold water in pores, where it evaporates. This calculator applies that loss as a runoff coefficient: 0.95 for metal, 0.90 for shingle, 0.85 for tile, and 0.70 for gravel flat roofs.
Measure the footprint that drains to the gutters feeding your tank, not the sloped roof surface. Rain falls vertically, so a steep roof catches no more than a flat one with the same outline. The manual's own Dallas example uses 1.97 inches on a 2,500-square-foot roof at 85 percent efficiency: 1.97 x 2,500 x 0.62 x 0.85 = 2,595 gallons for January.