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Updated July 2026

Solar Cost & Finance Calculators

Every money question about going solar, answered with a calculator: what the system costs, what the subsidy covers, what the EMI looks like and what you actually save.

Solar Panel Cost Calculator Installation cost per kW, solar price after subsidy and effective cost per unit for your city. Solar Loan / EMI Calculator Monthly EMI on a solar loan with reducing balance, compared against your savings. Solar Subsidy Calculator Central subsidy up to ₹78,000 plus Delhi, UP and Assam top-ups, and your net cost. Solar Savings & Payback Calculator Monthly savings, payback period, break even and 25-year ROI of solar panels. Solar Electricity Bill Calculator Your electricity bill after solar, with net metering export credit included.

How to Work Out Your Solar Economics, Step by Step

  1. Start with cost: the solar panel cost calculator converts your bill or a chosen kW into a realistic 2026 price range.
  2. Deduct the subsidy: the subsidy calculator shows the central benefit and any state top-up for your location.
  3. Check the return: the savings and payback calculator turns generation into monthly rupees saved and a break even year.
  4. Decide how to pay: if financing, the solar EMI calculator tells you whether the EMI stays below the savings, making the system self-funding.
  5. Sanity-check the bill: the bill calculator previews what your DISCOM bill becomes after net metering.

All five tools share the same India-specific engine: city-level sun data, DISCOM planning tariffs and 2026 pricing, so the numbers agree with each other. For sizing questions first, visit the sizing and design calculators.

On-Grid, Hybrid or Off-Grid: The Money Decision in Three Questions

Every cost tool on this page asks for a system type, and three questions settle it. Does your grid fail more than a few hours a month? If no, on-grid at ~₹58,000/kW wins on every financial metric. When it fails, does it hurt? Home office, medical equipment or study hours justify hybrid's extra ~₹14,000/kW plus battery; annoyance alone usually does not. Is there a grid connection at all? Only a genuine "no" justifies off-grid, which doubles cost and forfeits the subsidy. Answer the three questions once, then run every calculator here in that mode for numbers that reflect your real situation.

Solar Cost Calculators: Frequently Asked Questions

How much does solar cost in India in 2026?+
Residential on-grid systems cost about ₹52,000 to ₹64,000 per kW turnkey. After the central subsidy, a 3 kW system nets out around ₹79,000 to ₹1.13 lakh. Each calculator in this category prices your specific case.
Which calculator should I start with?+
The solar panel cost calculator. It sizes a system from your bill and gives the price after subsidy. From there, the savings calculator answers "is it worth it" and the EMI calculator answers "can it pay for itself on a loan".
Are these cost calculators free to use?+
Yes. Every tool on this site is free, works in the browser without signup, and uses the same transparent assumptions, which are listed openly under each calculator.
How accurate are the cost estimates?+
They use indicative 2026 turnkey rates with a ±10% band, real city sun data and DISCOM planning tariffs. Treat them as planning estimates: final quotes vary with components, structure and site conditions.
Do these calculators work for commercial installations?+
The engine is tuned for residential slab tariffs and the home subsidy. Commercial users can still use cost, EMI and generation tools directionally, but demand charges, accelerated depreciation and different tariffs need a site-specific financial model.

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