Solar Financing Comparator

System & Financial Inputs

System Size (kW DC)

Price per Watt ($/W)

Annual Production Factor (kWh/kW/year)

Annual Degradation Rate (%)

Utility Rate ($/kWh)

Annual Electricity Increase (%)

PPA Price Year 1 ($/kWh)

PPA/Lease Escalator (%)

Lease Monthly Payment ($)

Loan Term (years)

Loan APR (%)

Discount Rate for NPV (%)

Total System Cost $35,000

Annual Production Year 1 15,000 kWh

PPA Monthly Payment Year 1 $150

Lease Monthly Payment Year 1 $150

Loan Monthly Payment $251

Breakeven APR vs PPA/Lease: 4.2%
Loan is MORE expensive at current APR

Option	Monthly Payment	25-Year ROI	Total Savings	NPV
Loan	$251	12.5%	$45,230	$18,450
PPA	$150	∞%	$28,750	$12,340
Lease	$150	∞%	$28,750	$12,340