Enter your monthly electric bill to estimate your system size, what staying on the grid could cost over 25 years as rates rise, and an illustrative $0-down solar payment range.
Last updated June 6, 2026•Reviewed by the Energy Pros editorial team
Estimated system size
5.6 kW
If you keep paying the utility (next 25 yrs)
$86,000
Estimated monthly with solar
$117–$162
These are rough estimates for illustration only, based on an assumed average electricity rate of about $0.17/kWh and typical production. Your real numbers depend on your roof, location, usage, utility, financing, and a custom quote.
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How this estimate works
This calculator translates your monthly electric bill into a rough system size and shows two things: what you might spend if you stay fully on the grid while rates rise, and an illustrative range for a $0-down solar monthly payment. The "keep paying the utility" figure compounds your current annual spend at the rate-increase rate you choose — which is the real cost of waiting if rates keep climbing.
Why the rising-rate number matters
The EIA projects U.S. residential electricity prices rising about 5% in 2026, with added pressure in regions absorbing data-center demand. Producing part of your own power converts a slice of that ever-rising bill into a more predictable cost. See how solar compares to rising rates →
What the calculator can't tell you
It can't see your roof, shading, exact usage, utility's net-metering rules, or the financing you'd qualify for. Those move the numbers in both directions, which is why the only accurate figure is a custom quote from a vetted local installer. See how matching works →
This calculator provides rough estimates for educational purposes only and is not a quote, offer, or guarantee of savings, system size, pricing, or financing. Actual figures depend on your home, roof, shading, usage, utility, net-metering rules, location, credit profile, and installer. Energy Pros does not provide tax advice.
Frequently asked questions
How accurate is the solar calculator?
It's a rough illustration, not a quote. It uses an assumed average electricity rate and typical production figures. Your actual system size, payment, and savings depend on your roof, usage, utility, location, and financing — only a custom quote reflects those.
What does the 25-year utility number mean?
It estimates what you'd spend staying fully on the grid if your current annual bill rises each year at the rate you select. It illustrates the cost of doing nothing while rates climb.
Will solar really lower my bill?
For many high-bill homeowners, $0-down solar is priced to cost less per kWh than the utility — but it isn't guaranteed and varies by home, utility, and financing. Compare a custom quote with no obligation.
Do I need a new roof first?
If your roof is aging, it's worth evaluating both together so you don't pay to remove and reinstall panels later. See our guide on roofing before solar.