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Heat Pump Savings Calculator (USA)

Compare your current furnace, boiler or AC against a modern heat pump. Estimate annual heating and cooling savings, payback period after rebates, lifetime cost and carbon avoided.

For estimation purposes only. Real savings depend on your envelope, ductwork, sizing and local rates. A Manual J load calculation from a licensed HVAC contractor is the authoritative answer.
1 Your home
sq ft
2 Current system
%
/therm
/kWh
$0.05$0.32$0.60
Include delivery and taxes — that is what a heat pump actually pays.
SEER
%/yr
3 New heat pump
HSPF2
SEER2
%
0%25%50%
Check federal, state and utility programs — these stack.
yrs
%/yr
lb/kWh
Estimated annual savings
Enter your details and click Calculate
Cost today
With heat pump
Per month
Payback
Savings highlights
Annual savings
Payback period
Net project cost
Heating load
Added electricity
CO₂ avoided /yr
Annual cost with a heat pump
Calculate to see breakdown
Current system
Heating fuel
Rated efficiency
Annual heat delivered
Fuel consumed /yr
Heating cost /yr
Cooling cost /yr
Cooling load
CO₂ today /yr
Total HVAC cost today
With a heat pump
Rated efficiency
Seasonal COP
Heating electricity
Backup resistance
Cooling electricity
Total electricity added
Heating cost /yr
Cooling cost /yr
Total HVAC cost with heat pump
Project economics
Installed cost
Avoided replacement
Rebates & credits
Net project cost
Annual savings (year 1)
Payback period
Lifetime cost — keep
Lifetime cost — heat pump
CO₂ avoided over life
Return on investment
Net lifetime savings
Visualizations
Cumulative cost — keep vs. heat pump
Heat pump running cost
Disclosure: This calculator provides estimates for informational purposes only and is not an energy audit, a quote, or financial advice. Heat pump performance falls as outdoor temperatures drop, and results depend heavily on sizing, ductwork and installation quality. Get a Manual J load calculation and multiple contractor bids before committing.