Whole-Home Savings Estimator
Select the upgrades you are considering: a home battery, a heat pump or HVAC replacement, attic insulation, or a Level 2 EV charger. The estimator shows a combined cost range, estimated annual savings, and a rough payback period.
Results appear before any contact requirement. No email address, no phone number.
This gives the estimator context to size each upgrade and estimate your current energy spend.
Used to estimate your current annual electricity spend and the proportion offset by solar and efficiency upgrades.
A heat pump typically reduces heating costs 40-60% versus gas or oil. If you already use a heat pump or electric resistance heating, enter $0.
State incentive programs for battery storage (SGIP, ConnectedSolutions, PowerPair) and HVAC (HEAR rebates) vary significantly. The estimate notes relevant programs for your state.
Select all that apply. Each upgrade is estimated independently; the total reflects combined annual savings and bundled cost range.
Third-party ownership (lease / PPA): a path to federal value
A homeowner who buys or finances solar or a battery receives no federal credit in 2026. A homeowner who leases the system or signs a power purchase agreement (PPA) pays the third-party owner (TPO) for power or a fixed monthly amount. The TPO claims the Section 48E commercial credit and may pass some of that value to the homeowner through a lower lease rate or PPA rate. The total savings may be less than ownership, but the out-of-pocket cost at install is also typically $0. The Financing Hub explains the true-cost comparison.
Combined annual energy savings
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Across all selected upgrades. Ranges reflect system size, usage, and utility rate uncertainty.
Total estimated project cost
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Before state rebates and incentives. No federal residential credits applied.
Efficiency first means right-sizing solar
Adding insulation and a heat pump before sizing solar is the sequence that reduces system cost. A whole-home energy audit typically reveals 20-35% load reduction potential. A smaller, right-sized solar system costs less and has the same payback as an oversized one. The Whole-Home Energy Roadmap explains the sequencing logic.
See the sequencing roadmapGet exact numbers from a whole-home energy assessment
This estimator uses national cost benchmarks and typical savings ranges. An in-home assessment produces a sequenced upgrade plan with site-specific costs, confirmed state incentive availability, and a system design. No sales pressure. No shared leads.
Book a Free In-Home AssessmentBehind the estimate
Each upgrade saves money on its own. Combining them creates additional efficiencies that a standalone estimate misses. Here is how the estimator accounts for them.
A contractor who installs solar, a battery, and a heat pump together often offers package pricing. The rough bundle discount applied in this estimator is 5 to 15 percent off the sum of individual prices. Actual discount depends on your contractor and the scope of work.
Adding a heat pump and insulation reduces your electricity load. Installing those first, then sizing the solar array to cover the reduced load, produces a smaller system at lower cost with the same effective coverage. The estimator notes this opportunity in the results.
In states with low export credit rates (CA NEM 3.0, TX zero mandate), a battery lets you shift solar production to evening hours instead of exporting at a fraction of retail. The battery savings estimate reflects time-of-use arbitrage where applicable.
Each upgrade has a low and high cost, a low and high annual savings figure, and a low and high payback estimate. The total bundle range reflects the combination of those inputs. A site-specific assessment produces a single confirmed number.
Financing paths
The estimator models direct-purchase economics with zero federal credit. A second path exists: third-party ownership.
Section 48E is the commercial investment tax credit. It applies to equipment owned by a business or third-party lessor, not a homeowner. When you lease a battery or sign a power purchase agreement for solar, the leasing company owns the equipment and may claim 48E. Some lessors pass a portion of that credit value to you through a lower monthly rate.
Whether the TPO path produces better economics than ownership depends on the specific lease terms, your state's utility rates, and how long you plan to stay in the home. A side-by-side comparison requires specific offers.
This note is informational. It is not a guarantee of Section 48E eligibility or a statement that any specific lease or PPA passes credit value to the lessee. Consult a tax professional for your specific situation.
Commercial solar projects must begin construction by July 4, 2026 to qualify for the 30 percent Section 48E federal tax credit. After that date, the system must be placed in service by December 31, 2027.
Learn About Commercial SolarCommon questions
The methodology behind each upgrade estimate is explained in the results panel. These questions cover the ones homeowners ask before running the numbers.
Solar savings calculatorReady for site-specific numbers? Book a free in-home assessment.
This estimator uses state-level cost and savings data. Your actual numbers depend on your home's layout, current equipment, your utility's tariff, and contractor pricing in your area. A free in-home assessment gives you a confirmed cost, a site-specific system design, and current incentive amounts in writing -- with no sales pressure and no shared leads.
