You got multiple solar quotes, they all use different numbers, and none of them are comparable.
Each installer uses their own assumptions about shade, your roof, and how your electric rate will grow. We rebuild every quote with one set of numbers that you can pick, then rank them versus one more option: leaving the money invested.
The 30% federal tax credit ended Dec 31, 2025 for solar purchases with cash and loans. A tax professional can confirm whether you qualify for other incentives.
For more detail and to compare quotes, get the in-depth report for only $79.
Delivered within 24 hours. Full refund if you ask within 7 days of delivery. No reason needed.
How It Works
1. Check One Quote for Free
Enter the numbers from your quote and see the results instantly. No account required.
2. Get the In-Depth Report if You Need More Data
Have more than one quote, a lease quote, or a loan offer? Our in-depth report covers those situations and more for only $79. You can even leave fields blank if you don’t know the answer and we’ll use our data instead.
3. Take the Numbers and Questions to Your Installer
Within 24 hours you get a report ranking your quotes, with a target price to ask for and why, and a list of questions to ask your installers.
What Changed in 2026
The One Big Beautiful Bill Act ended the 30% residential solar tax credit on Dec 31, 2025.2 If you buy solar with cash or a loan, there is no federal tax credit. Lease and Power Purchase Agreement (PPA) companies can still claim a commercial credit through Section 48E, but they can keep it instead of passing it on to you. Ask the company whether your contract passes the credit on to you. Always check with a tax professional to determine if any credit or incentive applies to your purchase. State incentives vary from state to state, and some programs have limited funding. We flag programs that may be available in your area. Ask your installer if you qualify. The right solar for you depends on where you live, how you pay for it, and what that money could earn somewhere else.
I built a fifteen-tab spreadsheet to work this out for my own house. I put hours into analysis and research, and still got some things wrong. You shouldn’t have to go through the same ordeal.
I had two installers with multiple configurations of panels and a battery option on each. High efficiency or standard panels? Vertical or horizontal racking? Use the western roof face or leave it empty? Dozens of columns across fifteen sheets, built to make a $45k decision.
For weeks my model told me the best option was worth $98,000 less than an investment in the S&P 500. Every solar scenario delivered negative net present value (NPV). Seven of the eight scenario sheets were subtracting the avoided electric bill instead of adding it, and I hadn’t noticed.
I fixed the errors and the numbers still fought me:
- A sizing difference of 250 kWh was worth $5,187. My utility pays an incentive only if production stays under 120% of usage. A 38-panel proposal would have generated 1.4% more than that ceiling, disqualifying the system. A setup with two fewer panels generated a little less power, but qualified for the $5,187 incentive. The installer had noted the issue in small print, but sent the quote anyway.
- The battery option lost $10,238 in every version, because it wasn’t connected to my model! The off-peak arbitrage that would justify it was worked out on a different tab and not wired into the main model. The spreadsheet didn’t compute the number the proposals hinged on.
- The best answer in the model was a system that couldn’t be built. The south roof fits 32 panels. Every 36- and 38-panel column was unbuildable, and nothing in fifteen sheets recorded that. I eventually got all the calculations working and made the right decision, but it was a slog! Re-ranked against the real rooftop, the 32-panel system I ended up buying was the best buildable option on every metric: highest return, shortest payback, and the only one not underwater at ten years.
I’m a capable person, I had real quotes, it was my own money, and I spent hours on it. My model still nearly recommended the wrong system. That’s the whole problem with solar quotes, and it’s why you need a software tool rather than a spreadsheet you built yourself.
Everything below runs on an engine that checks each of the things I missed, and more.
Where Solar Contracts Cost People Money
Solar is a 20 to 25 year financial commitment mounted to your roof. Most people only do it once, so installers have every advantage over buyers. These are the traps to watch for.
Hidden Dealer Fees
A low rate like 3.99% often comes with a fee the lender adds to your balance. The Consumer Financial Protection Bureau found these fees can be 10 to 30 percent of the cash price, sometimes more than half, and that salespeople often don’t explain them.1 At a fee of 25% of the loan, a $24,000 system turns into a $32,000 loan on day one. That fee is really 33% of the cash price.
Increased Payments After Month 19
Many solar loans were built around the 30% tax credit. The lender may expect you to pay down about 30% of the loan in the first 18 months. If you don’t, your monthly payment goes up.1 That credit is gone for cash and loan buyers, so ask your installer whether your loan works this way before you sign.
Lease Escalators
A $115 lease payment that rises 2.9% a year is $228 a month by year 25. If you sell the house, lease contracts commonly require the buyer to take the lease over or you to buy it out. Ask the leasing company for those terms before you sign.
Expired Tax Credits
The 30% federal credit for home solar ended Dec 31, 2025, for cash and loan purchases.2 If a salesperson promises a tax credit anyway, ask them to put it in writing, and check it with a tax professional before you count on it.
Incentive Size Caps
Some utilities stop paying an incentive if a system produces more than a set share of your past usage. One of my installer’s designs missed that line by 1.4%, and it would have cost me $5,187.
Bundled Batteries
One savings number for panels and battery together can hide whether a battery pays for itself. On my house, it didn’t.
Three Different Homeowners, Three Different Messes
These are hypothetical but realistic scenarios, built from common problems our engine is designed to identify.
Wayne in Aurora, IL: three quotes, three different approaches.
Wayne got three quotes from three companies. They offered different panel brands, different system sizes, and different assumptions, so none of them were comparable. One was conservative about sunlight and showed a long road to positive ROI. Another showed lots of sun, added a little shade, and had a short payback. The third insisted Wayne needed a battery to make the numbers work.
Wayne spent evenings trying to convert one quote’s metrics to match another’s, but didn’t know whose assumptions to trust as his baseline. Every quote seemed wrong, and he had no way to know which one was or why.
Here’s what the tool does with Wayne’s three quotes: it rebuilds them on one set of numbers (same production assumption, same rate escalation, same panel degradation, same shade value, etc.), takes the battery’s list price out of the third quote’s total so it’s comparable to the other two, and prices the battery as a separate investment. Then it ranks all three and adds a benchmark none of the quotes included: leaving the money invested instead of buying panels.
The report doesn’t just say “quote 2 is best.” It says: quote 2 wins on price per watt, but quote 3 maximizes your roof’s capacity. Here’s what that’s worth, and here’s a configuration to request from the installer who wrote quote 2.
Dana in Atlanta, GA: a lease that looked cheaper than buying.
Dana’s lease quote showed a lower monthly payment than the loan quote for the same system. On paper, the lease won out, but Dana worried she was missing something. She couldn’t put her finger on what it was.
The tool takes five numbers from the lease (upfront payment, monthly payment, escalator, term, and buyout payment) and runs the whole structure over 25 years versus purchasing the same system or not installing at all. The escalator, which looked harmless at 2.9%, compounds into the biggest number on the page by year 15.
Marcus in Fresno, CA: the battery that was never given a chance to win.
Marcus lives in Fresno, California, and uses about 503 kWh a month, the state average.3 He had two quotes for the same 3.6 kW system at $2.52 per watt, the average quoted price in California.4 One installer added a Tesla Powerwall 3 at $13,473, its typical installed price,5 and showed one savings number for the whole package. The other quoted panels only, and insisted a battery would never pay off.
The tool takes the battery out of the first quote and prices it as its own investment using his actual rate plan. PG&E puts new solar customers on its Electric Home rate (E-ELEC), where summer evenings from 4 to 9 pm cost 55¢ a kWh.6 What PG&E pays for his exports changes by the hour. It’s about 1¢ at midday in spring, and more than $1 on August evenings in his first three years.78
His house heats with a gas furnace and cools with central air, like most single-family homes in California.9 The battery saves him about $669 in its first year. Over its 10-year warranty, those savings are worth $5,049 in today’s dollars. That’s $8,424 less than the battery costs, so at this price the battery doesn’t reach the required return. The panels-only installer was right about this battery at this price. The report even shows Marcus the price that would change his answer: under $5,049, the battery returns more than the required rate. That’s less than half of what it costs to include today.
An Excerpt From the Report, on a House Like Yours
This is the report’s math on one house in Massachusetts. Our free check runs the same math on your quote, and the $79 in-depth report runs it on up to three quotes you provide. For PG&E, SCE and SDG&E customers, the report also prices each hour on the utility’s time-of-use plan, while the free check uses one rate.
Excerpt: A 7.5 kW Quote in Cambridge, Massachusetts
Cost and production. At 30.43¢/kWh, a 7.5 kW system bought with cash at $2.90 per watt costs $21,750, with no federal credit. The report starts with sunshine data for the ZIP code area, subtracts ~5% for snow covering the panels during parts of the winter, and estimates the system will produce about 9,222 kWh in its first year. The value of that production depends on something your quote might leave out: what the utility pays the homeowner for the power the system sends back to the grid.
Two export-credit cases. If the utility credits exports at the full retail rate, the system saves about $2,577 in the first year and pays for itself in about 8.4 years. Over 25 years it returns 12.2% a year. That’s after maintenance, which covers replacing parts such as the inverter, which has a shorter expected working life than the panels. If exports only get credited at 25% of the retail rate, this system saves $1,576 in the first year and takes 13.8 years to pay back. Its return drops to 6.0%. The hurdle rate is 9.4%. That’s the S&P 500’s long-run 10.0%, less 15% tax on the capital gains. So the return clears the hurdle under one tariff and falls short of it under the other. If you don’t know which rate system your utility uses, the report shows results for both and tells you what to ask the utility.
Comparisons with the market. At the S&P 500’s 1928 to 2025 average return, taxed at 15% on the gains at the end, the same $21,750 would grow to about $204,000 by year 25. The system’s savings, earning that same after-tax return as they arrive, add up to about $259,000 with full retail credit for exports. With the quarter-retail credit, it’s $147,000. At the 3-month T-bill rate of 3.8%, with the interest taxed each year at 22%, the same money would grow to $45,000. Note: past returns don’t predict future returns, and the index has lost about half its value twice since 2000. Massachusetts SMART incentives aren’t included in these numbers, and they would make solar look even better.
Inputs: 8,600 kWh/yr use, 30.43¢/kWh (EIA Massachusetts average; bill savings are calculated with 29.38¢/kWh after subtracting the state’s typical $7.50 monthly fixed charge, from the OpenEI Utility Rate Database), 7.5 kW DC at $2.90/W (EnergySage’s average quote in Massachusetts), no federal tax credit, 25-year horizon, export credit run at 100% and at 25% of retail. Heating and cooling: a gas or oil furnace and room air conditioners, the most common in Massachusetts single-family homes (EIA RECS 2020). Production: NREL PVWatts estimate for the ZIP code area, 1,293 kWh per kW per year, minus about 5% for snow. Savings reinvested in the benchmark at its after-tax return; benchmark returns from Damodaran, NYU Stern, and FRED; gains taxed at 15%. Every figure here is output from our engine.
What’s in the In-Depth Report
All Your Quotes, Using One Set of Numbers
Different panel counts, different wattages, batteries bundled into some prices and not others: quotes aren’t comparable as written. We normalize them, move each separately priced battery to its own line, and rebuild each with the same production assumption before comparing anything.
Counteroffers to Take Back to Your Installer
Our report includes a negotiating column: a configuration and price to request from a specific installer. In my own workbook, the most valuable outputs were panel configurations that hadn’t been quoted yet. The report shows you the highest price at which a system still earns the required return, so you can see the price where the numbers stop working.
Incentives Checked Against Their Constraints
The incentives from your quotes, along with their constraints, and any other programs we find for your ZIP code that your quotes don’t mention. If a quoted system is over a size cap, the report shows by how much. The report gives you the questions to ask your installers.
Batteries Priced as Their Own Investment, Not Bundled
If adding a battery never pays off, the report says by how much, why, and whether adding it later changes the answer. If a quote gives one price for panels and battery together, the report says so and tells you to ask the installer for a separate battery price.
Comparisons With Investing the Money Instead
The system’s cost and projected bill savings compared with the returns if you invested the money instead at the stock market’s historical return after tax. The report states the required return it uses and where it comes from, then shows whether the solar system is worth more than that, and by how much. It doesn’t tell you where to put your money.
Buy, Lease and PPA Comparisons on Real Terms
Give us five numbers from the lease quote (upfront payment, monthly payment, escalator, term, and buyout) and it models what this costs over 25 years and compares it with buying the same system, or not buying at all.
Dealer Fees Baked Into Your Loan
Low-rate solar loans often carry a fee the lender adds to your balance.1 The report shows how much of your loan is a fee, and shows the amount you’ll actually repay.
Our commitments to you: we don’t sell solar panels, we don’t take referral fees from installers or lenders, we don’t send your contact info to installers, and when a solar install will be worth less than the required return, our report will say so.
Delivered within 24 hours. Full refund if you ask within 7 days of delivery. No reason needed.Before checkout you’ll complete a short form with your address, utility company, electric usage, and numbers from your quotes. Leaving some fields blank is fine if you don’t know the numbers; we have sources for your area’s averages. We’ll show you our standard assumptions and give you the chance to override with your own.
Run the free check. Then decide if you need the in-depth comparison report.
| Free check | $79 in-depth report | |
|---|---|---|
| Quotes | 1 | Up to 3, ranked |
| Price per watt and production check | Yes | Yes |
| Solar versus investing | Yes | Yes |
| Target price for your installer | No | Yes |
| Loan dealer fee | No | Yes |
| Lease and PPA, year by year | Warning only | Yes |
| Incentive size caps | Flagged | Checked, in kWh and panel count |
| Battery as a separate investment | No | Yes |
| Delivery | Instant | Within 24 hours |
The free check tells you how your quote compares to the average. If you’ve got more than one quote or a lease offer, the in-depth report will help you decide.
Your Other Options
Solar Contracts:
$25,000 or more, and you live with it for 20 to 25 years. $79 is about 0.3% of that.
Independent Energy Consultants:
Billing by the hour, for a single-home analysis.
Installers’ “Free Analyses”:
$0, and they come from a company that gets paid when you buy.
DIY Spreadsheets:
My ad hoc model covered fifteen tabs and took several weeks of nights and weekends to create, and an error in it nearly cost me thousands of dollars. That story is above.
Refunds: Full refund if you ask within 7 days of delivery. No reason needed.
We’re not in the solar business
- We don’t sell panels or install systems, and we don’t take referral fees.
- We don’t sell your contact info or send it to installers, lenders or lead brokers. No installer will contact you because of us.
- If solar delivers less than the required return, our report says so.
- We list every model input along with a source or explanation of why we use it. We don’t just give you a number.
Before You Order
One of two things happens
Either your quote pencils out and the report shows why using your own numbers, or it doesn’t and the report shows what to adjust: the price, the lease escalator, the battery, or the system size. Either way, you’ll have the numbers and questions to take back to your installer.
Both are worth knowing before you sign.
Sources
- Consumer Financial Protection Bureau, Solar Financing Market: Issue Spotlight, August 2024. Sections “Hidden Markups and Fees” and “Misrepresentations and Omissions Concerning Prepayments.” Read the report (PDF)
- One Big Beautiful Bill Act, Public Law 119-21 (2025), section 70506, ending the residential clean energy credit (26 U.S.C. § 25D) for expenditures made after December 31, 2025. IRS summary of the change
- U.S. Energy Information Administration, 2024 Average Monthly Bill, Residential (Table 5A): California, 503 kWh a month. Read the table (PDF)
- EnergySage, Cost of solar panels in California: average of marketplace quotes, $2.52 per watt including installation, as of October 2026. Read the cost page
- EnergySage, Tesla Powerwall 3 review, updated May 15, 2026: $13,473 typical installed cost before incentives, 13.5 kWh usable. Read the review
- PG&E, Electric Schedule E-ELEC (Electric Home), total bundled rates and time periods, effective June 1, 2026. PG&E requires residential Solar Billing Plan customers to take service on this schedule. Read the tariff (PDF)
- PG&E, Solar Billing Plan export rates: the 2026 vintage's export value for each hour of each month and calendar year, weekday and weekend, generation plus delivery. Download the export rate files (ZIP)
- PG&E, Electric Schedule NBT (Net Billing Tariff): the 2026 residential ACC Plus adder of 0.88¢ per kWh exported, for nine years. Read the tariff (PDF)
- U.S. Energy Information Administration, 2020 Residential Energy Consumption Survey, public microdata, single-family detached homes: a furnace is the most common main heating in California and in Massachusetts, central air conditioning the most common cooling in California, and room air conditioners the most common in Massachusetts. Read about the survey data
The excerpt lists its sources along with its inputs. The $5,187 incentive, 1.4% overage, and $10,238 figures come from my own workbook.