Solar Cash Purchase vs Loan vs PPA Solver

Compare total 25-year lifetime wealth creation across upfront cash buying, low-down solar loans, and third-party PPA contracts.

Financing Terms & Annual Solar Output

Ownership Analysis
$
kWh / yr
%
$ / kWh

25-Year Financial Comparison

Highest 25-Year Wealth Creator
Cash Purchase
Cash 25-Yr Net +$76,240
Loan 25-Yr Net +$61,420
PPA 25-Yr Net +$18,500
Monthly Loan Payment (20 Yrs) $128.84 / mo
Total Loan Interest Paid $14,921.60
Why PPA / Lease Yields Lowest Return Third party keeps the 30% tax credit & escalates rates
Financing Recommendation Cash or Credit Union Home Equity Loan yields max ROI

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