⚡ Heat Pump Savings Calculator
free🌡️ Your Home & Current Heating
6005,000 sq ft
60%100%
lowhigh
8 ¢45 ¢
❄️ New Heat Pump Specification
7.5 (standard)11 (premium)
1424
8 (old)20 (new)
💲 Cost & 2026 Incentives
$6,000 (mini-split)$35,000 (ducted, large)
⚠️ 2026 federal update: The federal 25C heat-pump tax credit ($2,000) and 25D geothermal credit expired December 31, 2025 under the One Big Beautiful Bill — they do not apply to 2026 installs. The HEEHRA point-of-sale rebate (up to $8,000, income-qualified) survives but is state-administered and funding-limited — check your state energy office, as several programs are already fully reserved.
Extra annual cost
$353/yr
Net cost after rebates
$14,000
Simple payback
—
CO₂ cut
0.9 t/yr
At these prices the heat pump costs more to run than your current system — common where natural gas is cheap and electricity is expensive. It still cuts carbon and improves comfort. Adding a cold-climate unit, weatherizing, or a lower electricity rate can flip this positive.
Current system — annual
Heating$809
Cooling (existing AC)$277
Total$1,086
Heat pump — annual
Heating (6,068 kWh, COP 2.32)$1,214
Cooling (1,125 kWh)$225
Total$1,439
Includes 703 kWh of electric-resistance backup heat below the balance point.
Upfront cost after incentives
Installed cost$14,000
HEEHRA rebate (not eligible)− $0
Federal tax credit (expired 2025)− $0
Net upfront$14,000
Does not break even within 15 years15-yr net: −$20,565
Educational estimate, not a Manual J load calculation or tax advice. Energy demand modeled from climate zone, home size and insulation (or your actual usage), heat pump electricity from HSPF2/SEER2 with climate-based resistance backup, carbon from EPA fuel factors and eGRID 2024 regional grid intensity. Prices seed from EIA 2025/26 regional averages — confirm your own utility rates and local rebate availability. Stand: June 2026.
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