Combined tool · 2026 edition

Whole-home electrification payback

Solar + heat pump + EV in one cash-flow model. See total upfront cost, total annual savings and the single year you break even. Toggle any leg on/off.

Pick your stack

Toggle each project on. Use the dedicated calculators for finer tuning.

☀️ Solar PV

Net cost after incentives ($)

Year-1 electric savings ($/yr)

Defaults: 8 kW system in CA, $2.85/W, no fed credit. Tune in solar calculator →

🔥 Heat pump (vs gas)

Net install cost ($)

Annual heating savings ($/yr)

Defaults: replacing 80% AFUE gas in Zone 4. Tune in heat pump calculator →

🚗 EV switch (vs gas car)

EV vs ICE price premium ($) Difference between the EV and its gas equivalent (e.g. Model Y vs RAV4).

Annual fuel + maint savings ($/yr)

Defaults: 12,500 mi/yr, 32 MPG vs 0.30 kWh/mi at $0.175. Tune in EV calculator →

Assumptions

Annual energy cost inflation (%)

Analysis horizon (years)

Combined payback

Single line for the whole stack.

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Years to break even (all projects combined)

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Total upfront

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Cumulative savings (horizon)

Project-by-project breakdown

Why combine? Solar lowers the kWh price of your heat pump and EV — which means the "average cost per kWh" you use to charge or heat with should track your solar LCOE, not the utility's retail rate. The tool simplifies by using your inputs; for an exact analysis, fine-tune in each sub-calculator.