Green Financing Payback Calculator
Compare the net cost of a clean-energy upgrade against loan payments and utility-bill savings to see whether cash flow turns positive during the loan term.
Last reviewed by UseYourCredit editorial team.
Inputs
Solar/battery: 30% (IRC §25D). EV: fixed $7,500 – enter as dollars in rebates.
Estimated payback
Net cost after credits & rebates
$18,100
Monthly loan payment
$168
Net annual cash flow (savings − payment)
$187
Savings exceed loan payments — cash-flow positive from day one.
Simple payback (cash purchase)
8.2 years
Total interest over loan life
$12,102
Educational estimate only. Federal tax credits are non-refundable for §25D and require sufficient tax liability to fully absorb. Confirm eligibility with a licensed tax professional.