Free California Solar Calculator

    How much will solar save you in California?

    Punch in your monthly utility bill to see your system size, payback period, 25-year savings, and environmental impact — tuned for California rates and sun hours.

    Savings Calculator

    How Much Can You Save With Solar?

    Enter your monthly electric bill to see your personalized solar savings estimate — it only takes 10 seconds.

    $200/month
    $50$800
    5.5
    Avg peak sun hours/day in CA
    ~6%
    Annual utility rate increase
    30%
    Federal tax credit
    0.42 kg
    CO₂ avoided per kWh
    How the calculator works

    What goes into your solar savings estimate

    Built specifically for California homeowners. We factor in PG&E/SCE rates, NEM 3.0, the 30% federal tax credit, and panel degradation over 25 years.

    Your monthly utility bill

    The single biggest input. Higher bills mean a larger system, more savings, and faster payback. PG&E and SCE customers in California typically see the strongest returns.

    California sun hours

    We use 5.5 peak sun hours/day as a Central Valley average. Bakersfield, Ridgecrest, and Tehachapi homes often produce more; coastal Ventura and SLO produce slightly less.

    NEM 3.0 + battery storage

    Under California's net billing tariff, exporting solar earns less than it used to. Batteries let you use your own solar at night and dramatically improve payback.

    Federal tax credit

    The 30% Residential Clean Energy Credit is applied directly to your federal tax bill the year your system is placed in service. Eligibility varies — confirm with a tax pro.

    The Big Picture

    Solar Payback Period in California

    California has the third-highest residential electricity rates in the country and some of the strongest sun in the world. That combo produces some of the fastest solar payback periods anywhere.

    6–9 yrs
    Typical payback period for a residential CA system
    16+ yrs
    Of essentially free electricity after payback
    30%
    Federal Residential Clean Energy Credit
    Pricing

    How much do solar panels cost in California?

    A typical 6–8 kW residential system in Bakersfield or Kern County runs roughly $14,000–$22,000 before the 30% federal tax credit — depending on panel choice, roof complexity, and whether you add a battery.

    After the federal credit, net cost typically lands between $10,000 and $15,400 for cash buyers. Financed customers often start saving on day one with $0-down loans.

    Before credit
    $14k–22k
    After 30% credit
    $10k–15k
    System size
    6–8 kW
    $0-down loans
    Day-one savings
    NEM 3.0

    Is solar still worth it under NEM 3.0?

    Yes — but the math is different than it used to be. Under California's net billing tariff, the credit for exporting solar to the grid is much lower than under NEM 2.0.

    The new winning move is pairing solar with a home battery so you store daytime production and use it at night — rather than selling it back at reduced rates. Battery-paired systems consistently produce the strongest returns under NEM 3.0.

    Methodology

    How 25-Year Savings Are Calculated

    Three transparent assumptions drive every projection.

    4% annual utility rate inflation

    Historically PG&E and SCE rates have risen even faster than this — so projections lean conservative.

    0.5% annual panel degradation

    Modern Tier-1 panels lose about half a percent of output per year, retaining ~88% at year 25.

    Constant sun hours & usage

    We don't model usage growth — so actual savings are usually higher if you add an EV, heat pump, or pool.

    Stack the Savings

    California Solar Incentives (2026)

    Beyond the 30% federal tax credit, California homeowners may qualify for:

    Self-Generation Incentive Program (SGIP)

    Rebates for battery storage — especially generous in high-fire-risk Tier 2 and Tier 3 areas.

    Property tax exclusion

    Solar adds value to your home without triggering a property reassessment.

    PACE financing

    Pay for your solar system through your property tax bill instead of a traditional loan.

    Local utility rebates

    Additional rebates vary by territory and program year — we'll flag which apply to you.

    Tax credit eligibility and amounts depend on current law and your individual tax situation. Confirm with a qualified tax professional.
    Why Local Matters

    Built for Your Estimate, Not National Averages

    National solar calculators use generic averages. We use Central Valley sun hours, actual PG&E rate schedules, and Kern County permitting realities. If you want a precise number for your home, a free on-site estimate factors in your roof orientation, shading, and panel layout — and we walk you through cash, finance, and battery scenarios side by side.

    Calculator FAQ

    Common questions about solar savings

    How accurate is the solar savings calculator?+

    The calculator uses California-specific assumptions — average $0.30/kWh utility rate, 5.5 peak sun hours per day, 4% annual rate inflation, and the 30% federal tax credit — to give a realistic ballpark. Your actual savings depend on your specific roof, shading, panel choice, and the federal/state incentives you personally qualify for. We refine the numbers in your free on-site estimate.

    How is solar payback period calculated?+

    Payback period = total system cost (after the 30% federal tax credit) divided by your annual electricity savings. For most California homeowners with a $200/month bill, payback typically lands between 6 and 9 years. After that, you're producing power for free for the remaining 16+ years of the panel warranty.

    How much can I save with solar in California?+

    Most California homeowners save 70–90% on their electricity bill after going solar. Over 25 years, that often adds up to $40,000–$80,000+ in cumulative savings, especially as utility rates continue to rise (PG&E and SCE rates have increased ~6% annually for the past decade).

    Does the calculator include the federal tax credit?+

    Yes — the displayed system cost is the net cost after the 30% federal Residential Clean Energy Credit. Eligibility depends on your tax situation, so confirm with a qualified tax professional. The credit amount and availability for systems placed in service in future years depend on current law.

    What size solar system do I need?+

    System size depends on your average monthly usage (in kWh). A typical Bakersfield home with a $200/month PG&E bill needs roughly a 6–8 kW system (15–20 panels). The calculator sizes the system automatically based on your bill input.

    Should I add a battery to my solar system?+

    Under California's NEM 3.0 net billing tariff, batteries dramatically improve solar economics by letting you use your own stored solar at night instead of selling it back at low export rates. Batteries also keep your home running during PG&E PSPS shutoffs. We recommend storage for most new California systems.