6 free tools · 2026 data

Heat Pump Calculators

Plan a heat pump with confidence: estimate the cost, size the system, project your savings versus your current heating, and find out whether a heat pump is worth it for your home and climate.

SCReviewed by Sarah Chen, Energy Analyst Sources: DOE, ENERGY STAR, IRS

One system, all year

A heat pump heats in winter and cools in summer at 300–400% efficiency — the most efficient way to condition a home.

Updated October 2026 — federal credits have ended. The One Big Beautiful Bill Act (signed July 4, 2025) ended the 30% federal Residential Clean Energy Credit (25D: solar, batteries, geothermal) and the Energy Efficient Home Improvement Credit (25C: air-source heat pumps, up to $2,000) for anything installed after December 31, 2025. Systems completed by Dec 31, 2025 can still be claimed on a 2025 return. Any 30% or $2,000 figure on this page applies only to those installs — our calculators now default to $0 federal credit. What is still available in 2026 →
Where to startStart with the Heat Pump Cost Calculator to get an installed-price ballpark, then size the system and project savings against your current furnace or AC. The 30% federal credits (25C for air-source, 25D for geothermal) ended for systems installed after December 31, 2025, so in 2026 your savings come from state and utility rebates and, where your state has launched it, the HEAR rebate (up to $8,000 for a heat pump).
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Why heat pumps in 2026?

A heat pump both heats and cools your home using electricity, moving heat instead of burning fuel. Because it moves rather than makes heat, a modern heat pump delivers 300–400% efficiency (a COP of 3–4) — far beyond any furnace. The federal 25C credit (30%, up to $2,000) ended for installs after December 31, 2025, so in 2026 the case rests on running costs, cold-climate models that now work well below freezing, and any state, utility or HEAR rebate you can get.

Pairing a heat pump with rooftop solar is the cleanest, cheapest way to run a home — your panels can power your heating and cooling directly. See how solar pencils out with our Solar Payback Calculator and state incentives.

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