Generations of Americans worked years of their lives just to pay oil companies and banks.

Now, free solar energy can power your home — and your vehicles. That changes everything.

This calculator shows that energy and interest are two of the biggest costs families pay. It also reveals that the real value of free solar energy is far greater than the cost of the energy it replaces. When you use part of your energy savings to reduce your mortgage, you save huge amounts of interest and pay off your home years sooner.

It’s not magic. It’s math.

Check out the facts in black and white.

Click in the blue boxes, enter your info, and be amazed.
Change any number at any time. Click Clear All to start over.
ENERGY FOR YOUR HOME
Average monthly cost
$
ENERGY FOR YOUR VEHICLES
Vehicle 1
Vehicle 2
Vehicle 3
Total miles you drive per year
Miles per gallon (MPG)
Fuel cost per gallon
$
$
$
Total gallons per year
Annual fuel cost per vehicle
$
$
$
Monthly fuel cost per vehicle
$
$
$
Total monthly cost of fuel for vehicles
$
TOTAL MONTHLY COST FOR ENERGY + VEHICLE FUEL
$
Estimated annual cost increase for energy and fuel
%
U.S. energy 20-year average annual increase 3.8%. U.S. Bureau of Labor Statistics.
Mortgage principal, conventional home, no solar
$
Add for FULL SOLAR
$
Mortgage with FULL SOLAR
$
Add solar for home and 2 vehicles to new construction for $30K or less in many areas. See FullSolarHome.com.
Mortgage interest rate
%
Mtg. years
Monthly payment, no solar
$
Monthly pmt. FULL SOLAR
$

Those light bills and trips to the gas station really add up over time!

Now you can choose to keep your money and let free energy pay for your home.

HOME ENERGY COSTS
Year 1
Year 15
Year 30
Monthly cost
$
$
$
30 YEARS
Annual cost
$
$
$
$
VEHICLE FUEL COSTS
Year 1
Year 15
Year 30
Monthly cost
$
$
$
30 YEARS
Annual cost
$
$
$
$
TOTAL VALUE OF ENERGY — COST OR SAVINGS — OVER JUST 30 YEARS
$
But that's not all the cash you can save.
Now you can leverage part of your savings on energy to SAVE ON INTEREST
— and you eliminate years of mortgage payment, too. Here's how:
Your FIRST-YEAR MONTHLY SAVINGS on energy and fuel are
$
Add just part of your savings to your mortgage payment and you'll be amazed.
$
Your home is paid off in just
saving
$
in interest. . .
. . . AND you eliminate
payments, saving you
$
in cash.
MEANWHILE — your total monthly outlay is similar to, or less than, with a conventional home,
for many less years, AND your cash savings on energy, fuel, and interest are:
$
After deducting your
$
added investment for SOLAR,
your NET TOTAL CASH SAVINGS are:
$
Compare Monthly Outlays
Conventional Home
Full Solar Home
$
Mortgage payment
$
** Energy for home, first year
** Fuel for vehicles, first year
Extra payment from energy savings
**
$
Total Monthly Outlay
$
** amount increases with rising costs of energy.
(fixed amount)
Outlay is similar or less, even with the extra mortgage payment.
Compare 30-Year Outlays
Conventional Home
Full Solar Home
$
Mortgage principal
$
Mortgage interest
Energy for home
Fuel for vehicles
$
Totals
$
Your NET TOTAL CASH SAVINGS are $.

What if you plan to move in a few years?
You’ll be far better off with a Full Solar Home.

Many people move several times over the years. They don’t accumulate much home equity because all of their mortgage payments are mostly interest. By following the Full Solar Home financial plan described above, you will accumulate equity much faster, and pay less interest from the very first month. Your extra equity far exceeds the amount of your extra mortgage payments.

When you’re ready to move, your Full Solar Home will sell faster, and for more, than a conventional home. Transfer your equity into a new Full Solar Home and continue your savings.

Based on the mortgage and payment figures above, see how much more equity you have even in the early years of your mortgage.

Compare Equity Accumulation Years 1 - 15
Conventional Home
Full Solar Home
Year #
Equity
Balance
Equity
Balance
Extra Equity
1
$
$
$
$
$
5
7
8
10
12
15
By year 15, your extra equity is $ more than
your extra mortgage payments.

It's shocking how much we spend on energy. Also shocking?
Look how much invisible poison smoke you get for your money!

CO2-equivalent (CO2e) is a simple way to total all greenhouse gases as if they were CO2. Burning fuel releases mostly carbon, plus methane, nitrous oxide, and a few industrial gases. CO2e rolls all of that into one number.

The carbon from burning a 6-pound gallon of gasoline immediately steals 13 pounds of precious, life-giving oxygen — oxygen that takes decades to centuries for Earth to replace — to make 19.6 pounds of invisible poison gas, mostly CO2. That gas expands to 150 cubic feet, and diluting it back to today’s 400-ppm level pollutes 350,000 cubic feet of clean air. Diesel is heavier, burns dirtier, and produces about 14% more CO2e per gallon.

These emissions don’t just steal oxygen — they steal a large portion of our wealth. We work hard to pay oil companies for the privilege of polluting our own air.

Now you don't need to burn wealth for energy any more.

Free energy can build wealth for you.

Compare CO2 Emissions You Can Pay For — or Eliminate and KEEP THE CASH.
Conventional Home & Internal Combustion Vehicles
Full Solar Home & EVs
CO2 Tons/Yr.
Total Cost
CO2 Cost/Ton
CO2 Tons/Yr.
Total Cost
Home
$
$
$
Vehicle 1
$
$
$
Vehicle 2
$
$
$
Vehicle 3
$
$
$
TOTALS:
To Date Year 1
$
$
$
To Date Yr. 15
$
$
$
To Date Yr. 30
$
$
$

Over 30 years, your tons ( lbs) of CO₂-equivalent emissions
weigh as much as barrels of crude oil or
railroad cars full of coal.

Emissions from vehicle fuel are calculated based on gallons used. Sources:
Environmental Protection Agency, Greenhouse Gas Emission Factors.
U.S. Department of Energy, CO2 per gallon.
Home energy emissions are calculated using the national average of ~0.85 lb CO₂e per kWh (EPA), with a typical U.S. electricity price of 0.14 per kWh (EIA).EPA eGRID Electricity Emission Factors,
U.S. Energy Information Agency, Average Electricity Prices.

For information on designing and building Full Solar Homes, visit FullSolarHome.com.
Calculator © 2026 Bob Waterstripe.