📊 Solar ROI Calculator

Calculate your return on investment for solar panels. Compare cash purchase vs loan vs lease options over 25 years to make the smartest financial decision.

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25-Year ROI

Complete investment
analysis timeline

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3 Options

Cash vs Loan
vs Lease comparison

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Break-Even

Exact payback
period analysis

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Net Worth

True wealth impact
over time

Calculate Your Solar ROI

Compare cash purchase, loan financing, and lease options to find your best return

Understanding Solar ROI

Solar return on investment measures how much money your solar system generates compared to what you invested:

Cash Purchase Highest ROI, fastest payback
Solar Loan Good ROI with financing flexibility
Solar Lease Lower ROI but $0 down option
Typical ROI 8-15% annual returns
Total cost before incentives and rebates
For loan financing option
For lease option comparison
For NPV calculations

Your Solar ROI Analysis

Best Option for Your Situation

Cash Purchase

Based on your inputs, this option provides the highest 25-year ROI

1

Cash Purchase

Own your system outright

25-Year ROI: --
Payback Period: --
Total Savings: --
Net Present Value: --
Advantages:
  • Highest total returns
  • Fastest payback period
  • Full tax credit benefits
  • No monthly payments
2

Solar Loan

Finance with monthly payments

25-Year ROI: --
Monthly Payment: --
Total Savings: --
Net Present Value: --
Advantages:
  • No upfront costs
  • Immediate savings
  • Keep tax credits
  • Build home equity
3

Solar Lease

Fixed monthly payment

25-Year ROI: --
Monthly Payment: --
Total Savings: --
No Tax Credits (Leasing company keeps)
Advantages:
  • $0 down payment
  • Maintenance included
  • Immediate savings
  • No system ownership risks

Break-Even Analysis

Cash vs Utility

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Years to break even

Loan vs Utility

--

Years to break even

Monthly Savings

--

Average first year

Investment Grade

A+

Solar investment rating

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