⚠ ITC Update: The 30% residential federal ITC expired December 31, 2025 (One Big Beautiful Bill Act). Residential installs after this date do not qualify. Commercial projects with construction beginning before July 4, 2026 may still qualify at 30%. Verify with a tax professional.
0%
0%50%
What is a dealer fee? It's a % of the system cost added to your loan — paid by the lender to the installer. Low-APR loans (0.49%–2.99%) typically carry 25–50% dealer fees. A 15% fee on a $25,000 system adds $3,750 to your loan. This calculator shows the effective APR including the dealer fee so you can compare apples to apples.
Most solar lenders allow reamortization within first 18 months. Apply your ITC refund check as a lump-sum principal payment.
Savings Assumptions
$
3.0%/yr
0%8%/yr
EIA 25-yr historical avg: ~2.85%/yr. Recent years (2023–2024): 3–6%.
NREL median: 0.5%/yr for modern monocrystalline panels.
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Fill in system cost and loan terms to see your monthly payment and 25-year savings.
Financing Comparison
Solar Loan
Cash Purchase
Lease
PPA
Enter details in the Loan Calculator tab to populate the comparison.
Lease / PPA Details (for comparison)
$
%/yr
¢
9¢/kWh = $0.09/kWh
%/yr
Note: Loan and Cash projections use your inputs from the Loan Calculator tab. Lease/PPA figures use the inputs above. ITC expired Dec 31, 2025 for residential — defaults to 0%.
Cumulative Savings vs. Loan Cost — 25 Years
Where the green line crosses the blue line = break-even (solar pays for itself)
Utility Cost (No Solar)
Cumulative Loan Cost
Net Savings (Utility − Loan)
Break-Even
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25-Yr Savings
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25-Yr ROI
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