Solar panel calculator

System size, panel count and roof area from your electric usage and sun hours, with equipment list, installed cost, yearly savings and payback.

By the LocalServiceHQ editorial team
Updated Oct 28, 2026
Formulas listed below
Size from your billsUse 12 months of kWh, not dollars. Rates change; usage is what panels replace.
Photo via Unsplash

What a solar install includes

PanelsMonocrystalline panels with a 25-year product and output warranty.
21 × 420 W
InvertersConvert DC to household AC. Microinverters handle shade better; string inverters cost less.
per panel or string
MountingRoof attachments must be flashed into the shingles. Re-roof first if the roof has under 10 years left.
flashed rails
Permit and interconnectionCity permit, inspection, then utility approval before you can switch on.
4–10 weeks

How to use the solar calculator

1
Enter your usage
Average 12 months of kWh from your bills. Add expected EV or heat pump load.
2
Pick region and roof
Sun hours and roof direction set production per kW.
3
Check panel count
Make sure the roof area fits after fire-code setbacks.
4
Compare quotes per watt
Divide each quote by system watts to compare fairly.

Peak sun hours by region

Average daily equivalent full-sun hours. Your installer's software will refine this for your roof.

Region
Peak sun hours
kWh/yr per kW (south)
Pacific Northwest, New England
3.3–3.8
~1,050
Midwest, Mid-Atlantic
4.0–4.5
~1,230
Southeast, Texas
4.5–5.2
~1,400
Southwest, California
5.5–6.2
~1,660

Figures include an 80% derate for inverter, wiring, heat and soiling losses.

System size by monthly usage

Midwest sun (4.2 hours), south-facing, 420 W panels, 100% offset.

Monthly usage
System
Panels
Roof area
500 kWh
4.9 kW
12
~220 sq ft
750 kWh
7.4 kW
18
~320 sq ft
1,000 kWh
9.8 kW
24
~430 sq ft
1,500 kWh
14.7 kW
35
~630 sq ft

Add about 250–350 kWh a month for each EV driven 12,000 miles a year.

Buy, loan or lease

Who owns the system changes the economics.

Option
Upfront
Savings
Watch for
Cash purchase
Full price
Highest
Long payback in low-rate areas
Solar loan
$0–low
Medium
Dealer fees built into the price
Lease / PPA
$0
Lowest
Escalators of 2–3% a year; home sale transfer

Ask every installer for the cash price per watt, even if you plan to finance.

Solar mistakes and quote red flags

!
Sizing from dollars, not kWhBills include fixed fees that solar won't remove. Size from kWh.
!
Installing on an old roofRemoving and reinstalling panels later costs $3,000–$6,000.
!
Comparing total price onlyDivide by watts. Quotes for different sizes can't be compared otherwise.
!
Hidden loan dealer feesA 0.99% loan can carry a 20–30% fee in the price. Ask for the cash price.
!
Oversized production promisesAsk for the modeled kWh/yr and the shading report behind it.
!
Ignoring net-metering rulesSome utilities pay far less for exported power. Check before you size to 100%.

Solar panel FAQ

How many solar panels do I need?

Divide your yearly kWh by (peak sun hours × 365 × 0.8) to get system kW, then divide by panel wattage. A home using 900 kWh a month in the Midwest needs about 9 kW, or 22 panels at 420 W.

About 18 sq ft per modern residential panel, plus setbacks from ridges and edges required by fire code. A 22-panel system needs roughly 400 sq ft of usable roof.

Typical US installed prices are about $2.50–$3.50 per watt for roof-mounted systems, so $22,000–$32,000 for 9 kW, before any incentives.

The 30% residential credit for homeowner-owned systems ended for systems installed after 2025. Leases and PPAs may still pass through a business credit; state and utility rebates vary. Check current rules for your state.

The equivalent hours per day of full-strength sunlight. They range from about 3.5 in the Pacific Northwest to nearly 6 in the desert Southwest.

Yes, at about 15% less production than south. West-facing panels can be worth more on time-of-use rates that peak in the evening.

Not for savings under full net metering. Batteries make sense for backup power or where the utility pays little for exported power.

Panels usually carry 25-year warranties and lose about 0.5% output a year. Microinverters often carry 25 years; string inverters 10–12.