The 25-year cost of doing nothing: what sticking with utility power really costs
Your electric bill isn't a fixed cost — it grows every year. Here's what that adds up to, and how it compares with owning solar.
The 25-year cost of doing nothing
Staying on utility power could cost you about $58,153 more over 25 years than owning a solar system.
Lock in your rate — get free quotes →Estimate: system sized to cover your usage at $3.00/W minus the 30% federal credit (subject to current law), plus a $15/month grid fee. Ignores maintenance, financing and panel degradation.
Small yearly increases add up
A $175 monthly bill feels manageable. But if rates rise 3.8% a year, you'll pay your utility about $85,100 over the next 25 years — and you'll own nothing at the end.
What the solar path includes
We size a system to cover your usage, apply the 30% federal credit (subject to current law) and keep a small monthly grid fee, since most solar homes stay connected. See what happens if prices rise faster or check your state on the solar rankings.
Frequently asked questions
How much do electricity rates rise each year?
US residential rates have risen roughly 3 to 4% a year on average over the long run, with sharper jumps in some recent years and some states. We use 3.8% as a default; you can change it in the calculator.
Why compare over 25 years?
Most solar panels carry 25-year performance warranties, so 25 years is the natural lifetime to compare against what you would otherwise pay your utility.
Is doing nothing ever the better choice?
Yes. With a very small bill, cheap electricity, a shaded roof or plans to move soon, solar may not pay off. The calculator shows when the solar path costs more.
Estimates only. Actual results depend on your home, installer and local rules.