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Solar Panel Calculator

This solar panel calculator sizes a system from your electricity use. Enter your monthly kilowatt-hours or bill, set your peak sun hours and panel wattage, and you'll get the system size, the panel count, a rough cost after the federal credit, and a payback estimate. Everything updates as you type, so it's easy to compare quotes or plan a roof. It's free and runs in your browser, so nothing you enter leaves your device.

  • System size
  • Panel count
  • Cost after credit
  • Payback years
  • kWh or bill

Last updated June 17, 2026 Estimate only Reviewed by the Calcowa team

System size
8.3 kW system
21
Panels
$17,500
Net cost
9.5
Payback yrs
$1,836
Yearly savings

The size allows about 20 percent for real-world losses, and the cost takes off the 30 percent federal credit. Sun hours run near 4 to 4.5 across much of the US, higher in the Southwest. These are rough estimates, not a quote, so they're a planning aid and you'll still want real installer numbers.

The basics

How do you size a solar system?

Sizing solar starts from how much power you use, so it's really a chain of small steps. Take your monthly kilowatt-hours and turn them into a daily average, since panels make their power by the day. Divide that daily figure by your peak sun hours, the count of full-strength sun hours your roof sees, and then by about 0.8 to allow for wiring, heat, and dust losses. What you're left with is the system size in kilowatts. Divide that by the wattage of one panel and round up, and you've got the panel count. From there a rough cost is the system watts times the price per watt, usually around $3, and the 30 percent federal credit comes off the top. So a home using 900 kilowatt-hours a month at 4.5 sun hours needs about an 8.3 kilowatt system, roughly 21 of the 400 watt panels, for somewhere near $17,500 after the credit. This tool runs the whole chain, so you'll see the size, the panels, the cost, and the payback the moment you type your usage.

system kW = daily kWh ÷ sun hours ÷ 0.8
Step by step

Sizing your roof, step by step

Here's the quick routine to size a system, and it's just three steps:

  1. 1

    Enter your useType your monthly kilowatt-hours, or switch to your bill.

  2. 2

    Set sun and panelsAdd your peak sun hours and the panel wattage.

  3. 3

    Read the systemSee the size, panel count, cost, and payback.

Quick reference

System size by usage

Here's a rough guide at 4.5 sun hours with 400 watt panels, so you'll see how fast the system grows with usage. It's only a starting point, and you shouldn't treat it as a design, since your sun hours and roof change the count. When you're ready, run your own numbers above and they'll update as you type.

Monthly useSystem sizePanels
500 kWh4.6 kW12
900 kWh8.3 kW21
1,200 kWh11.1 kW28
1,500 kWh13.9 kW35
FAQ

Frequently asked questions

You tell it how much electricity you use, either in kilowatt-hours or as a monthly bill, and it sizes a system to cover it. It turns your use into a daily figure, divides by the peak sun hours your roof gets and a real-world derate factor, and lands on a system size in kilowatts. From there it works out the panel count, a rough install cost after the federal credit, and a payback estimate. Everything runs in your browser, so nothing you enter leaves your device.

Take your daily kilowatt-hours, divide by your peak sun hours and about 0.8 for losses, and you've got the system size in kilowatts. Divide that by the panel wattage to get the count. A home using 900 kWh a month, with 4.5 sun hours and 400 watt panels, needs roughly an 8.3 kilowatt system, which is about 21 panels. Your roof space, shading, and goals shift that, so treat the number here as a solid starting point rather than a final design.

Peak sun hours are the number of hours a day your location gets full-strength sunlight, not just daylight. Sunny southwestern states see around 5.5 to 6, much of the country sits near 4 to 4.5, and cloudier northern areas run lower. It's the single biggest factor in system size, since fewer sun hours means more panels for the same output. If you don't know yours, 4.5 is a fair national starting point, and your installer can pin down the local figure.

Installed solar runs around $3 a watt before incentives as a rough US average, though it varies by state, installer, and equipment. So an 8 kilowatt system is roughly $24,000 gross, and the 30 percent federal tax credit knocks that down to about $16,800. This tool applies that credit and a default $3 a watt, but get real quotes, because prices and the exact incentive in your area can move the number a fair bit either way.

Payback is the net system cost divided by what you save on power each year. The calculator assumes the system offsets your usage, so your yearly saving is roughly your yearly bill at the rate you entered. A $16,800 system that saves about $1,800 a year pays back in around nine years. Rising power prices shorten that, while net-metering rules and maintenance can shift it, so read the payback as a ballpark, not a promise.

Yes, it's completely free, with no sign-up, and it runs right in your browser, so nothing you enter leaves your device. Type your power use, set your sun hours and panel size, and read the system size, panel count, cost, and payback in a tap. Bookmark it for comparing quotes or planning a roof, and treat the result as an estimate, since a real site visit accounts for things a calculator can't see.

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