Solar Credit Calculator BETA
Energy savings · SEG payments · Finance breakdown
Shadow Model V0.8
🏠 Property & Energy Setup
Your Home
⚡ Electricity Usage
Estimated: ~3,100 kWh/yr based on your home
⛽ Gas Usage
Estimated: ~13,000 kWh/yr based on your home
⚡ Your Solar System
📍 Using regional estimate — enter a valid UK postcode for PVGIS data
kWp
kWh (0 = none)
° (30–40° is optimal)
Generation Override
💡 Energy Tariff
Ofgem Price Cap Q1 2026
Cap period: Jan–Mar 2026 · Next review: Apr 2026 · Announced: 28 Nov 2025
⚡ Electricity
Import
24.5p
per kWh
SEG Export
11.5p
typical rate
Standing
61.0p
per day
🔜 Provider-specific tariffs & rates — Coming Soon
⛽ Gas
Unit Rate
6.24p
per kWh
Standing
31.65p
per day
🔜 Provider-specific tariffs & rates — Coming Soon
💰 Purchase & Finance
£
☀️ Estimated Annual Savings Range
£580 (conservative) £960 (optimistic)
£760
estimated annual saving
Region: NORTH EAST ~3,780 kWh/yr est. 63% self-consumption 35% of current bill offset
Monthly Saving
£63
est. from solar
Simple Payback
11.2 yrs
cash purchase basis
⚡ Energy Generation & Savings Breakdown
Estimated annual generation (P50)
3,780 kWh
Conservative generation (P10 — low year)
3,289 kWh
Optimistic generation (P90 — good year)
4,271 kWh
Self-consumption rate
Stress scenario: 53%
63%
Annual electricity consumption
Estimate: 3-bed semi-detached
3,100 kWh
Estimated annual electricity bill
Before solar — based on consumption × tariff
£983
Import tariff rate
24.5p / kWh
SEG export rate
11.5p / kWh
Standing charge
Fixed daily charge — not reduced by solar
61.0p / day
Annual standing charge cost
£223
Solar-reducible bill portion
Annual bill minus standing charges
£1,937
⛽ Gas Breakdown
Annual gas consumption
Estimate: 3-bed semi-detached
13,000 kWh
Gas unit rate (Ofgem cap)
6.24p / kWh
Gas standing charge (Ofgem cap)
Fixed daily — not reduced by solar
31.65p / day
Annual gas standing cost
£115
Annual gas usage cost
13,000 kWh @ 6.24p/kWh
£811
Total annual gas bill
Usage + standing charges
£926
Total annual energy cost
Electricity + gas combined
£3,086
Solar offset — electricity bill only
Solar reduces your electricity, not gas
35%
Solar offset — total energy spend
As a % of your combined energy cost
25%
Annual saving — conservative
P10 generation, stress self-consumption
£580
Annual saving — central estimate
£760
Annual saving — optimistic
P90 generation, high self-consumption
£960
Monthly saving (central)
£63.33
Electricity bill offset
of £2,160/yr electricity bill
35%
📊 Net Position & Payback
Simple payback (cash basis)
Install cost ÷ annual saving, ignoring interest
11.2 yrs
Timeline to break-even
⚠ IMPORTANT — ESTIMATES ONLY
Generation & savings — Figures are modelled estimates based on your inputs, regional solar irradiance data, and assumed self-consumption rates. Actual output will vary due to shading, roof condition, panel degradation, weather, and occupancy patterns.
Tariffs & standing charges — Electricity import rates, SEG export rates, and standing charges are based on the Ofgem price cap and are subject to quarterly review. Your actual tariff may differ. Standing charges are a fixed daily cost and are not reduced by solar generation.
Finance — Finance figures use a simplified amortising APR calculation for illustrative purposes only. Actual loan terms, APR, and eligibility will depend on your lender and personal circumstances.
Not financial advice — This tool does not constitute financial, tax, or investment advice. Solar installations are a significant purchase — always obtain a full structural survey and written quotation from an MCS-certified installer before committing to any agreement.
Last updated: 8 April 2026