Solar and Battery Savings Calculator
Size an array against your own usage and see what it saves with and without storage, under NEM 3.0 and real PG&E rates. Add an EV if you have one, or are thinking about one.
Array size: 4.5 kW (matched to your usage) · CO₂ avoided per year: 1.90 tons
The comparison
With storage (1)
- Produced per year9,034 kWh
- Used on site8,185 kWh
- Exported to the grid849 kWh
- Installed cost$37,750
- Simple payback11.4 years
- Savings over 25 years$266,332
- Backup run time13 hours
- Savings in year one$3,316
Without storage
- Produced per year9,034 kWh
- Used on site2,710 kWh
- Exported to the grid6,324 kWh
- Installed cost$15,750
- Simple payback11.3 years
- Savings over 25 years$95,737
- Backup run time0 hours
- Savings in year one$1,400
What this could cost per month
- Illustrative APR4.49%
- Payments120 months
- Total repaid$46,926
- Cost of borrowing$9,176
GoGreen Home financing is tied to a qualifying energy-efficiency upgrade — a heat pump, heat-pump water heater, induction cooking, EV charging, or solar with storage. Panel work qualifies when it supports one of those, not on its own.
These rates are illustrative, not an offer. A lender decides the rate and the term you are actually offered.
What's in this number
Production assumes 5.5 peak sun hours a day for Santa Cruz County. Savings combine self-consumed power at your retail rate with exports credited at the NEM 3.0 avoided-cost rate, which is far below retail — which is why sizing to your own usage matters more than it used to. An EV, if you add one, is charged overnight, so only storage can serve it. The federal residential clean energy credit (IRS Section 25D) expired on December 31, 2025, so no federal credit is applied to owned solar or battery figures here. Costs are planning estimates for a system you own outright — the only kind we install.
What's next?
Sunrise Electrical Contracting holds California CSLB licence #C10-1097237 (C-10, Electrical).
This is a planning number, not a substitute for a licensed electrician confirming the panel, the service and the utility feed in person.
We work in Santa Cruz County.