About Heat Pump ROI Calculator

Heat Pump ROI Calculator is a free, independent tool that helps US homeowners understand whether switching to a heat pump makes financial sense. There is no installer sign-up, no lead form and no paywall — you enter your state, monthly heating bill and home size, and you get an instant payback period, rebate breakdown and 10-year net savings estimate.

Every number on this site is an estimate built from representative 2026 public data: state residential electricity rates (EIA), natural gas rates per therm, ASHRAE climate-zone coefficient of performance, average whole-home installation cost, and the federal IRA Energy Efficient Home Improvement Tax Credit plus the major state and utility rebate programs.

We do not sell heat pumps, take referral fees from installers, or collect personal data beyond anonymous GA4 traffic statistics. Results are not a quote and not financial advice — always get at least three certified installer quotes and confirm current program rules with your utility and tax advisor before deciding.