Adjust the assumptions
Solar & utility
Rebate
Financeit
Mortgage transfer amortizes the outstanding balance over the selected refinance term. HELOC transfer pays interest only; the balance remains outstanding until principal is repaid. The chart marks the transfer month.
Mortgage / renovation loan
Investment comparison
Investment comparison assumes all gains are realized and taxed only when the investment is liquidated at the selected horizon; it excludes reinvestment of solar savings. Investment tax is a simplified illustrative estimate: taxable share of realized capital gains × marginal tax rate. Not all investments generate capital gains; registered accounts and tax rules differ.
Installed system price—
First-year electricity savings—
Rebate—
Financeit monthly payment—
Month 1 savings minus payment—
Financeit balance at expiry—
Cash purchase: payback and investment comparison
Simple cash payback—
Cash solar net at horizon—
Cash solar NPV at investment return—
Financeit exit at month 48
Balance to transfer—
Monthly payment before—
Monthly payment after—
Your solar cash position
Think of this as a separate bank account tracking only the solar decision: cash spent, rebate received and electricity bills avoided.
Starting cash position—
Position after 5 years—
Position after 20 years / horizon—
Cash-flow break-even—
Cash position is cumulative money in and out, not net worth. It excludes the home's potential resale value, maintenance and future replacement costs. For financed scenarios, outstanding debt is shown separately below; moving a loan to a mortgage or HELOC does not count as a cash inflow or outflow.
Cash flow over time
Cash purchaseFinanceitHome equity
Compare the options
| Metric | Cash | Financeit | Home equity |
|---|
Cash flow is measured against not installing solar: electricity savings and rebates are inflows; purchases and loan payments are outflows. The investment-adjusted view subtracts the after-tax investment growth forgone by a cash purchase, without treating that growth as spendable monthly income.
Important client disclosures
Financing does not necessarily make solar cash-flow positive. A 5 kW array at $0.11/kWh saves about $45.83/month in year one, before any rate changes. A $116.20 loan payment produces an initial monthly shortfall of about $70.37, before considering the rebate. The rebate is a one-time inflow, not recurring monthly savings.
Refinancing is not guaranteed. Eligibility, interest rates, closing costs and available home equity can change. The 14% reset scenario assumes the same monthly payment, which can cause negative amortization if the payment is below monthly interest. Confirm Financeit's actual contract terms, payment recalculation and prepayment rules before presenting a quote.
Rebates are conditional. $5,000 and month 2 are adjustable sales assumptions, not a promise of eligibility, approval or payment timing. Utility rates, net-metering credits, consumption, taxes and site production affect realized savings.
Refinancing is not guaranteed. Eligibility, interest rates, closing costs and available home equity can change. The 14% reset scenario assumes the same monthly payment, which can cause negative amortization if the payment is below monthly interest. Confirm Financeit's actual contract terms, payment recalculation and prepayment rules before presenting a quote.
Rebates are conditional. $5,000 and month 2 are adjustable sales assumptions, not a promise of eligibility, approval or payment timing. Utility rates, net-metering credits, consumption, taxes and site production affect realized savings.