Energy calculators

Solar Panel Calculator

Updated Sep 29, 2026 By Infinity Calculator

Location & Solar Irradiance

Press Enter or click Lookup to fill in a rough peak-sun-hours value for your state or ZIP code.
Auto-estimated from location. Override if needed.
Excellent
Annual Irradiance: 2,008 kWh/m²/yr

Roof & Installation Details

Typical home: ~1,000 sq ft of roof.
75%
NW65%
N60%
NE65%
W85%
S100%
E85%
SW95%
Flat90%
SE95%
30°
Optimal for most US locations: 25°–35°

Energy Consumption

kWh
US average: ~$0.18/kWh (2026)
100%

Panel Specifications

Standard: ~17.5 sq ft per panel
Includes inverter, wiring, soiling, temp.
Leave empty for auto-calculation.

Financial Details

US avg: $2.50–$3.50/W installed
Home solar credit ended after 2025

Your Solar System Estimate

System Size
7.20 kW
Panels Needed
18
Annual Production
12,380 kWh
Roof Area Used
315 sq ft
Gross System Cost
$21,600
Net Cost (After Incentives)
$15,120
Monthly Production
1,032 kWh
Bill Offset
89%
25-Year Net Savings
$32,450
Payback Period
8.2 yrs
Return on Investment
215%

Environmental Impact (25-Year Lifetime)

CO₂ Offset
210 tons
Trees Equivalent
3,465
Cars Off Road (yrs)
45.7
Coal Not Burned (tons)
94.5

Financial Projections

Year-by-Year Breakdown

Year Production (kWh) Elec. Rate ($/kWh) Annual Savings Cumulative Savings Net Cash Flow

Introduction

The Solar Panel Calculator helps you figure out how many solar panels you need for your home or building. Just enter a few details about your energy use and roof space to see your results. It tells you how many panels you need, how much power they can make, and how much money you could save. This tool makes it easy to plan your solar panel system. You get the answers you need to go solar with confidence.

How to Use Our Solar Panel Calculator

Enter details about your location, roof, energy use, and budget to find out how many solar panels you need, how much they will cost, and how much money you can save over time.

Address, ZIP Code, or City: Type in where you live, such as a ZIP code, city name, or state. The calculator uses your state or ZIP code to fill in a rough peak-sun-hours value. Click "Lookup" or press Enter to fill it in.

Peak Sun Hours per Day: This is the number of hours per day your area gets strong sunlight. It fills in automatically based on your location, but you can change it if you know your exact value.

Total Roof Area: Enter the size of your roof in square feet or square meters. A typical home has about 1,000 square feet of roof space. You can use our Square Footage Calculator if you need help measuring your roof area.

Usable Roof (%): Use the slider to set what portion of your roof can hold solar panels. This accounts for vents, chimneys, shade, and other obstacles. The default is 75%.

Roof Orientation: Click the direction your roof faces. For the highest yearly output, panels in the Northern Hemisphere face due south.4 Each direction shows a percentage that reflects how much solar energy it receives compared to south.

Roof Tilt / Pitch: Use the slider to set your roof angle in degrees. Solar panels typically perform best on south-facing roofs with a slope between 15 and 40 degrees.5 For the highest yearly output, panels are tilted at an angle equal to the local latitude.4 If you need to determine your roof angle, our Roof Pitch Calculator can help.

Average Monthly Electric Bill: Enter how much you pay for electricity each month in dollars. This helps estimate your energy usage if you do not know your exact kWh number.

Monthly Consumption (kWh): Enter how many kilowatt-hours you use each month. You can find this on your electric bill. If you enter your bill amount instead, this field will auto-calculate.

Electricity Rate ($/kWh): Enter the price you pay per kilowatt-hour of electricity. The U.S. average residential price was 18.19 cents per kWh for January through July 2026.2 Check your utility bill for your actual rate.

Solar Offset Target (%): Use the slider to choose how much of your electric bill you want solar to cover. Setting it to 100% means you want solar to handle all of your electricity needs.

Panel Wattage: Pick the power rating of each solar panel. Standard panels are 350–400 watts. Choose "Custom" if you have a specific panel in mind.

Panel Size (sq ft each): Enter the physical size of one solar panel. A standard residential panel is about 17.5 square feet.

Panel Efficiency (%): Enter the efficiency rating of the panels you plan to use. Most modern panels fall between 18% and 23%.

System Losses (%): Enter the percentage of energy lost due to wiring, the inverter, dirt, shade, and heat. A typical value is 14–20%.

Number of Panels (override): Leave this blank to let the calculator figure out how many panels you need. Enter a number here only if you want to set the panel count yourself.

Annual Degradation (%/yr): Solar panels slowly lose power over time. The typical rate is 0.5% per year. Premium panels may degrade more slowly.

Cost per Watt (installed): Enter the total installed cost per watt, including panels, inverter, labor, and permits. The US average is $2.50 to $3.50 per watt.

Federal Tax Credit %: The 30% federal Residential Clean Energy Credit covered qualified home solar installed from 2022 through December 31, 2025.1 It is not available for property placed in service after December 31, 2025.1 The default here is 0%. Enter a percentage only if another credit applies to you.

State/Local Incentive: Enter any extra rebates or incentives from your state or local government as a flat dollar amount.

Annual Electricity Rate Increase: Enter how much you expect electricity prices to go up each year. The US average is about 2.5% per year.

System Lifespan (years): Enter how many years you expect your solar system to last. Most systems are warrantied for 25 years.

Financing: Choose whether you plan to pay cash upfront or take out a solar loan. If you pick "Solar Loan," you will also enter the interest rate and loan term.

Once all fields are filled in, click Calculate to see your system size, number of panels, total cost, savings over time, payback period, return on investment, and environmental impact. Click Reset to return all inputs to their default values.

What Are Solar Panels and How Do They Work?

Solar panels are devices that turn sunlight into electricity. Each panel is made up of many small units called photovoltaic (PV) cells, usually made from silicon. When sunlight hits these cells, it knocks electrons loose from their atoms, creating a flow of electricity. This is called the photovoltaic effect. The electricity produced is direct current (DC), which an inverter converts into alternating current (AC), the type of electricity your home uses.4 An inverter is expected to need replacing at least once in the 25-year lifetime of a PV array.4

Key Factors That Affect Solar Panel Performance

Not every home gets the same results from solar panels. Several factors determine how much electricity your system will produce:

  • Peak Sun Hours: This is the number of hours per day your location receives strong, direct sunlight equal to about 1,000 watts per square meter. The southwestern United States gets 6+ peak sun hours per day, while the Pacific Northwest may only get 3.5–4. More peak sun hours means more energy from the same number of panels.
  • Roof Orientation: In the Northern Hemisphere, south-facing roofs capture the most sunlight throughout the day. East- and west-facing roofs still work well, producing about 85% as much energy. North-facing roofs produce the least, roughly 60% compared to south-facing.
  • Roof Tilt: The angle of your roof matters. The ideal tilt is roughly equal to your latitude. For most of the United States, that means 25° to 35°. Flat roofs and very steep roofs produce less energy because sunlight doesn't hit the panels at the best angle.
  • Shading and Usable Space: Chimneys, vents, skylights, nearby trees, and required setbacks from the roof edge all reduce the area available for panels. Most homes can use about 75% of their total roof area for solar.
  • System Losses: No solar system is 100% efficient. Energy is lost through wiring, the inverter, dirt on panels, heat, and small amounts of shading. These losses typically add up to 14–20% of total production.

Understanding Solar Panel Specifications

Modern residential solar panels are rated between 300 and 450 watts each. A 400-watt panel is currently the most common premium option. Each panel is about 17.5 square feet in size (roughly 65 inches by 39 inches). Panel efficiency (the percentage of sunlight converted to electricity) ranges from 18% to 23% for most models available today. Panels also lose a small amount of efficiency each year, typically about 0.5% per year, which is why most manufacturers offer 25-year performance warranties.

Solar Costs and Financial Incentives

The average cost to install a residential solar system in the United States is $2.50 to $3.50 per watt before incentives. This price includes the panels, inverter, mounting hardware, wiring, labor, and permits. For a typical 7 kW system, that works out to roughly $17,500–$24,500 before any tax credits or rebates.

The federal Residential Clean Energy Credit equaled 30% of the cost of qualified home solar installed from 2022 through December 31, 2025, and it is not available for property placed in service after that date.1 Many states and local utilities offer additional rebates, tax credits, or Solar Renewable Energy Certificates (SRECs) that can lower your cost even further.

Payback Period and Long-Term Savings

The payback period is how long it takes for your electricity savings to equal the cost of the system. For most homeowners, this falls between 6 and 12 years, depending on local electricity rates, sunlight, and incentives. After the payback period, the electricity your panels produce is essentially free. Since electricity rates have historically risen 2–3% per year, the value of your solar savings actually increases over time. Over a 25-year lifespan, a well-sized solar system can save homeowners $20,000 to $50,000 or more.

Environmental Benefits of Solar Energy

Solar panels produce clean electricity with no greenhouse gas emissions during operation. This calculator counts 6.72 × 10−4 metric tons of CO₂ avoided for each kilowatt-hour your panels make, the EPA's U.S. national marginal emission rate for electricity.3 Over 25 years, the calculator's default system avoids about 164 metric tons of carbon dioxide. That is the same as planting thousands of trees or taking dozens of cars off the road for a year.


Formulas used

Combined Efficiency Factor
\eta_{\text{combined}} = \eta_{\text{orient}} \times F_{\text{tilt}} \times (1 - L_{\text{system}})
Annual Production per Panel
E_{\text{panel}} = \frac{W_{\text{panel}}}{1000} \times PSH \times 365 \times \eta_{\text{combined}}
Number of Panels Needed
N = \left\lceil \frac{E_{\text{monthly}} \times 12 \times T_{\text{offset}}}{E_{\text{panel}}} \right\rceil,\quad N \le \left\lfloor \frac{A_{\text{roof}} \times U_{\text{roof}}}{A_{\text{panel}}} \right\rfloor
Gross and Net System Cost
C_{\text{net}} = C_{\text{per\_watt}} \times N \times W_{\text{panel}} \times (1 - ITC) - I_{\text{state}}
Year-N Annual Savings (with degradation & rate escalation)
S_n = \left( E_{\text{annual}} \times (1 - d)^{n-1} \right) \times \left( r_{\text{elec}} \times (1 + g)^{n-1} \right)
Lifetime Net Savings & ROI
S_{\text{life}} = \sum_{n=1}^{L} S_n - C_{\text{net}}, \quad ROI = \frac{S_{\text{life}}}{C_{\text{net}}} \times 100\%
Payback Period (fractional)
P = (y-1) + \frac{C_{\text{net}} - \sum_{n=1}^{y-1} S_n}{S_y}
Lifetime CO₂ Offset 3
CO_2 = \sum_{n=1}^{L} E_n \times 6.72 \times 10^{-4} \text{ (metric tons)}

Frequently asked questions

How many solar panels does a typical home need?

Most homes need between 15 and 25 solar panels to cover their full electricity use. The exact number depends on your energy consumption, how much sunlight your area gets, and the wattage of the panels you choose. A home using about 1,000 kWh per month in a sunny area would need around 18 panels rated at 400 watts each.

What are peak sun hours and why do they matter?

Peak sun hours are the number of hours per day when sunlight is strong enough to equal 1,000 watts per square meter. It is not the same as total daylight hours. If your area gets 5 peak sun hours, your panels produce as much energy as if the sun shone at full strength for 5 hours. More peak sun hours means more energy from each panel.

How much does a home solar panel system cost?

The average installed cost in the US is $2.50 to $3.50 per watt before incentives. A typical 7 kW system costs about $17,500 to $24,500 before the federal tax credit. The 30% federal Residential Clean Energy Credit is not available for property placed in service after December 31, 2025.1 State rebates can lower the cost.

What is the federal solar tax credit (ITC)?

For homes, the federal credit was the Residential Clean Energy Credit, equal to 30% of the cost of new, qualified clean energy property installed from 2022 through December 31, 2025.1 The credit is not available for any property placed in service after December 31, 2025.1 For example, a $21,000 system placed in service in 2025 could have earned a $6,300 credit, but the same system installed in 2026 earns none.

What does system losses mean?

System losses account for energy that gets lost between the panels and your home. This includes losses from the inverter, wiring, dirt on panels, heat, and small amounts of shading. A typical total loss is 14% to 20%. The calculator subtracts these losses to give you a realistic energy production estimate.

Does roof direction really matter for solar panels?

Yes. For the highest yearly output, panels in the Northern Hemisphere face due south.4 East- and west-facing roofs produce about 85% as much. North-facing roofs only produce about 60% compared to south. If your roof faces east or west, solar can still be a good investment. You just may need a few more panels.

What happens if my roof is too small for all the panels I need?

The calculator checks how many panels can fit on your usable roof area. If there is not enough space for the number of panels needed to fully offset your bill, it will cap the count at the maximum that fits. Your bill offset percentage will show less than 100% in that case.

What is annual panel degradation?

Solar panels slowly lose a small amount of their power output each year. The typical rate is about 0.5% per year. This means after 25 years, your panels will still produce roughly 88% of their original output. The calculator factors this into its year-by-year savings estimates.

Should I finance solar panels or pay cash?

Paying cash gives you the biggest long-term savings because you avoid interest charges. However, a solar loan lets you go solar with no upfront cost. With a loan, your monthly payment is often close to or less than your old electric bill, so you start saving right away. The calculator lets you compare both options.

How long do solar panels last?

Most solar panels last 25 to 30 years or more. Manufacturers typically offer 25-year performance warranties, and the U.S. Department of Energy expects an inverter to be replaced at least once in the 25-year lifetime of a PV array.4 Panels do not just stop working after 25 years. They continue to produce electricity, just at a slightly lower output due to normal degradation.

What is a good payback period for solar panels?

A payback period of 6 to 10 years is considered very good. Anything under 12 years is solid. After the payback period, your solar electricity is essentially free. States with high electricity rates and strong incentives tend to have the shortest payback periods.

What is the number of panels override option for?

Leave this field blank to let the calculator figure out how many panels you need based on your energy use and offset target. If you already know exactly how many panels you want to install, enter that number here and the calculator will show you how much energy that specific number of panels will produce.


Sources

  1. Residential Clean Energy Credit. Internal Revenue Service. How it works. Accessed September 29, 2026.
  2. Electric Power Monthly, Table 5.6.B: Average Price of Electricity to Ultimate Customers by End-Use Sector, by State, Year-to-Date through July 2026 and 2025. U.S. Energy Information Administration. 2026;U.S. Total, Residential. Accessed September 29, 2026.
  3. Greenhouse Gas Equivalencies Calculator - Calculations and References. U.S. Environmental Protection Agency. Electricity reductions; Passenger vehicles per year; Urban tree seedlings; Pounds of coal burned. Accessed September 29, 2026.
  4. Solar Photovoltaic System Design Basics. U.S. Department of Energy, Solar Energy Technologies Office. Mounting Structures; Inverters. Accessed September 29, 2026.
  5. Homeowner's Guide to Going Solar. U.S. Department of Energy, Solar Energy Technologies Office. Accessed September 29, 2026.