Are Solar Panels Worth It? A 2026 Reality Check Without the Tax Credit
Are solar panels worth it in 2026 now the 30% tax credit is gone? See real payback math by state, the export credit effect and when solar doesn't pay.
Work out how many extra solar panels it takes to cover your electric car's charging, how many kWh it uses a year, and what that power and the gas it replaces cost. Use it when sizing a new system or adding panels for an EV.
Results update as you type. Without JavaScript you see the worked example below.
How many solar panels to charge an electric car? Turn your yearly miles into kWh, add charging losses, then divide by what 1 kW of panels makes where you live. With the defaults, 12,000 miles at 30 kWh per 100 miles needs about 4,000 kWh a year, or 8 extra 400 W panels (2.96 kW of capacity).
The results show extra panels, extra solar capacity, charging kWh per year, the cost to charge from the grid and the gas cost it replaces. A bar chart compares yearly fuel cost for gasoline, grid power and your own solar (shown as $0 fuel cost, since the panels' price is not included). A scenario table reruns your inputs at 8,000 miles, your mileage and 18,000 miles.
Charging kWh = miles × (kWh per 100 mi ÷ 100) ÷ (1 − charging losses)
Extra kW = charging kWh ÷ yearly output per kW
Extra panels = round up (extra kW × 1,000 ÷ panel watts)
Grid cost = charging kWh × electricity rate
Gas cost = miles ÷ MPG × gas price
Assumptions that match the code:
Default inputs: 12,000 miles, 30 kWh per 100 miles, 10% losses, 1,350 kWh per kW, 400 W panels, 18.2¢ per kWh, 28 MPG, $3.20 gas.
Second example, an electric SUV in the Houston area: 15,000 miles, 34 kWh per 100 miles, 1,421 kWh per kW (PVWatts for Houston), 400 W panels, 15.5¢ per kWh, replacing a 24 MPG car at $3.00 a gallon.
| Yearly miles | Charging kWh | Extra 400 W panels | Gas cost replaced |
|---|---|---|---|
| 8,000 | 2,667 | 5 | $914 |
| 12,000 (default) | 4,000 | 8 | $1,371 |
| 18,000 | 6,000 | 12 | $2,057 |
The panel count is in addition to what your home already uses. Add it to the home result in how many solar panels do I need, or raise that tool's coverage to about 120%, then check that the total fits with the roof calculator.
The cost lines show the fuel side. Switching from gas to grid charging saves about $643 a year with the defaults, before any solar. Covering the EV with solar then saves the $728 grid cost too, if exports and imports are credited evenly. Run the full system through the solar savings calculator, and see are solar panels worth it for the bigger decision.
This is an educational estimate. It balances energy over a year, uses one electricity rate and one efficiency figure, and ignores seasonal changes in driving and solar output, cold-weather efficiency losses and the cost of the panels and charger. Check your utility's rate plans and export rules before deciding how to charge.
With the defaults, 12,000 miles a year at 30 kWh per 100 miles with 10 percent charging losses needs about 4,000 kWh a year, which takes 8 extra 400 W panels where 1 kW of solar makes 1,350 kWh a year. A larger EV driven 15,000 miles in Houston needs about 10 panels.
It is on the EPA fuel economy label and on fueleconomy.gov for each model. Compact cars generally use fewer kWh per 100 miles, while larger SUVs and pickups use more. Your car's trip computer may show miles per kWh instead; divide 100 by that figure to convert.
Not if your utility credits exports at or near retail. The panels can export power by day and you charge at night from the grid, with credits offsetting the cost. Under net billing, where exports earn far less than retail, charging at midday or using a home battery keeps more of the solar value.
Some energy is lost between the wall outlet and the car's battery, mainly as heat in the charger and battery. The tool adds 10 percent by default, so 3,600 kWh of driving becomes 4,000 kWh from the wall. Adjust it if your charger reports a different figure.
With the defaults, the gas car would cost about $1,371 a year in fuel at 28 MPG and $3.20 a gallon, while grid charging costs about $728 at 18.2 cents per kWh. Solar power has no fuel cost once the panels are paid for, but the panels themselves cost money, so compare the extra system price with these yearly figures.
If an EV is likely within a few years, adding panels during the original install is usually simpler, since permitting, design and labor are partly fixed costs and the panels will match. Check that your roof has room with the roof calculator, and confirm your utility's size limits.
On a time-of-use rate, charging overnight when prices are lowest is usually cheapest from the grid. With solar under net billing, charging midday when panels are producing uses your own power directly. Check your rate plan, since many utilities offer EV-specific plans.
Are solar panels worth it in 2026 now the 30% tax credit is gone? See real payback math by state, the export credit effect and when solar doesn't pay.
How much do solar panels cost in 2026? Real installed prices per watt from Berkeley Lab, costs by system size, battery add-ons, and why no federal credit now.
Are solar batteries worth it? See 2026 battery costs, when time-of-use savings and backup pay off, and why the answer differs in CA, AZ and TX.