Heat Pump Payback Calculator
Estimate how many years until a heat pump pays for itself — versus your current heating system, whatever the fuel. Works for electric resistance, natural gas, oil, or propane by comparing the cost per unit of delivered heat, then shows your payback and lifetime savings.
Payback period
10.0 yr
- Annual savings
- $1,200/yr
- Heat pump heating cost
- $600/yr
Compares cost per unit of delivered heat across fuels. Estimates only — actual savings depend on climate, insulation, real efficiency, and rebates (enter the net cost after any rebate). Confirm sizing with a Manual J load calculation.
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Open calculatorSources & standards
This tool's methodology and data follow US standards and authoritative public datasets: