Solar finance and payback calculator for South Africa
See whether solar improves monthly cash flow, what it may cost over the finance term, and when the system pays for itself. Every assumption stays visible.
Solar finance and payback calculator
Compare cash payback with a financed system, using your own bill, tariff and assumptions.
About 8 × 550 W panels
Roughly 23.3 m² of usable roof
Indicative scenario only. It excludes finance fees, tax effects, maintenance, export credits and site-specific generation. The assumptions are visible below so the result can be challenged instead of treated as a quote.
Get this plan checkedAssumptions and limitations
- Planning yield: 1 550 kWh/kWp/year. SolarGuide conservative national planning assumption; replace with site-specific irradiation at design stage.
- Bill offset: 70%. User-selected scenario; actual self-consumption and tariff structure determine realised savings.
- Panel roof allowance: 2.6 m² plus 12% spacing. Planning allowance for a modern residential panel; verify the selected module datasheet and roof layout.
- Annual tariff escalation: 8%. User-selected scenario, not a forecast or approved future tariff.
- Roof area, shade and orientation have not been checked yet.
Cash payback
System price divided by first-year savings is easy to compare, but it does not include the time value of money or maintenance.
Finance cash flow
Compare the estimated repayment with the bill saving. Credit approval, fees and the lender's actual rate still determine the real payment.
A reusable solar plan
The result already uses the same plan structure intended for the roof estimator and future panel, inverter and battery compatibility tool.
Request a checked quote