Free Calculator · 2026 Updated
Solar Lease vs Buy vs PPA
Compare total 20-year costs across all three solar ownership models. With Section 25D expired, the case for buying vs leasing changed — see the real numbers for your state.
Why this matters in 2026: Third-party solar installers (leases/PPAs) still benefit from Section 48E through 2027 — but that benefit goes to them, not you. This calculator shows who actually comes out ahead.
What this calculator compares
This comparison projects 20-year cash flows for cash purchase, lease, and power purchase agreement (PPA) solar using your state, system size target, and financing assumptions. It layers in typical escalation on lease and PPA rates, expected utility bill changes, and how third-party ownership (Section 48E through 2027) shows up in installer pricing—so you can judge total cost, not just headline monthly payments.
Buying still favors long-term savings if you stay in the home; leases and PPAs reduce upfront cash and transfer performance risk—this tool puts those tradeoffs on one timeline.
Already planning to purchase?
The Solar ROI Calculator focuses on ownership only: payback period, 25-year savings, and state production data—use it when you are not comparing lease or PPA offers.
Open Solar ROI Calculator →