Are solar panels worth it for your home?
Is it worth having solar panels? On the Energy Saving Trust's payback figures, a home pays for itself in 9 to 12 years with export payments, depending on where you live and when you are home, at July 2026 fuel prices [1]. Separately, it puts a typical system at about 4.5 kWp and £7,600, and says panels work best on a south-facing roof with no shading [1]. It does not state, on its solar or data-method pages, the export rate, the share of solar used at home or the system size behind its payback table.
| Place | Home all day | Home half the day | Out all day |
|---|---|---|---|
| London | 9 years | 9 years | 9 years |
| Manchester | 10 years | 10 years | 11 years |
| Aberystwyth | 9 years | 9 years | 10 years |
| Stirling | 11 years | 11 years | 12 years |
Some things the payback leaves out make it longer: the Trust's costs exclude replacement parts, and it says the inverter needs replacing after around 12 years [2][1]. Simple payback also ignores discounting and inflation, and future electricity prices could move it either way; the Trust says it calls for caution [2].
How long do solar panels take to pay for themselves?
The solar panel payback period comes down to four numbers: what you pay, how much of your solar you use at home, your export rate and how much your roof generates. Our grid combines the last three at the government's 2025-26 median price of £1,595 per kWp [3]; the next table shows what your own installed price does.
| Household | Value per kWh generated | Payback, 925 kWh per kWp | Payback, 806 kWh per kWp |
|---|---|---|---|
| Uses 29% of its solar (MCS examples A and C), 3p export | 9.8p | 18 years | 20 years |
| Uses 29% of its solar (MCS examples A and C), 12p export | 16.2p | 11 years | 12 years |
| Uses 39% of its solar (MCS example B), 3p export | 12.1p | 14 years | 16 years |
| Uses 39% of its solar (MCS example B), 12p export | 17.6p | 10 years | 11 years |
How we worked it out
Payback = price per kWp / (kWh per kWp x value per kWh generated). Value per kWh generated = share used at home x 26.32p (Ofgem cap, Great Britain average, Direct Debit, October to December 2026 [6]) + share exported x the export rate (3p untied [8], 12p tied [9]). The shares used at home come from MCS's worked examples [5]. The 925 kWh per kWp column is MCS's design estimate for one example roof [5]; the 806 column converts the median load factor of Feed-in Tariff solar systems in 2024/25, 9.2 per cent and the lowest on record, into kWh per kWp: a cautious, historical figure for older systems, not a forecast for a new roof [4]. Shares used at home are held the same in both columns. £1,595 is the government's median for all installations up to 4 kW in Great Britain, including new builds and non-domestic ones [3]. The Trust's typical system works out at about £1,689 per kWp, and its paybacks use July 2026 fuel prices [1]. Year-one prices held flat; no inverter replacement, panel wear or discounting.
Among the scenarios in our grid, the export rate has the largest effect: payback is 10 to 12 years at a 12p export rate and 14 to 20 at 3p. Your installed price, shading and use can matter as much. Export rates are set by each supplier; in 2024-25 the average rates paid were 15.4p per kWh on tied tariffs and 7.3p on untied ones, Ofgem reports; these are past averages, not rates you can get today [7]. Payback rises in step with the price you pay:
| Your installed price | Quickest case in our grid | Slowest case in our grid |
|---|---|---|
| £1,500 per kWp | 9 years | 19 years |
| £2,000 per kWp | 12 years | 25 years |
| £2,500 per kWp | 15 years | 32 years |
Do solar panels save money on your electricity bill?
Yes, on the unit part of the bill and through export payments; the standing charge stays. For MCS's worked example of a home using 3,500 kWh a year with a 3 kWp system, which uses 805 of its 2,775 kWh of solar at home [5], the average monthly electric bill with solar panels works out like this, by our calculation:
| Without solar | With solar | |
|---|---|---|
| Grid electricity bought, a month | £77 | £59 |
| Standing charge, a month | £17 | £17 |
| Export income, a month (may be paid separately) | none | £5 at 3p, £20 at 12p |
| Net electricity cost after export income, a month | £93 | £56 to £71 |
Solar power pros and cons
Is solar power worth it once the downsides are counted? These are the advantages and disadvantages of solar power on a home, from the sources below.
| Advantages | Disadvantages |
|---|---|
| Lower electricity bills once installed [1] | Upfront cost: about £7,600 for a typical system on the Trust's figures [1] |
| Payment for electricity you export, if you sign up for an export tariff, in Great Britain [1] | Export rates vary widely by supplier and tariff: 1p to 40p per kWh offered in 2024-25 [7] |
| About one tonne of carbon saved a year for a typical system, depending on location [1] | The inverter needs replacing after around 12 years [1] |
| Little maintenance: the Trust says you don't need to do much, and rain cleans panels tilted at 15 degrees or more [1] | Works best on a south-facing, unshaded roof [1] |
| Panels should last 25 years or more [1] | Payback of 9 years or more on the Trust's figures [1] |
| No VAT on panels installed in a home until 31 March 2027; bought without installation, they are standard-rated [10] | 5 per cent VAT on panels installed in a home from 1 April 2027 [10] |
When are solar panels not worth it?
Solar panels are least likely to pay back when one of these applies:
- Shade or a poor roof. Panels work best facing south with no shading [1]. Less sun means fewer kWh per kWp and a longer payback; our grid shows how much generation moves it, though neither of its columns is a shaded roof.
- You expect to move soon. A payback of 9 years or more needs you, or the price of your home, to recover the cost; whether panels add value is covered in do solar panels add value to a house.
- A low export rate. In our grid, 3p gives 14 to 20 years; with 29 per cent of the solar used at home it is the slowest case.
- The roof needs work soon. Removing and refitting panels for roof work is a cost the payback leaves out; see solar panel removal and reinstallation.
Why are people getting rid of their solar panels?
We found no official statistic on homes removing solar panels, so we cannot say whether removals are rising or falling. For context, the government's cost analysis included 264,742 new MCS-certified installations of all kinds in Great Britain in 2025-26, 27 per cent more than the year before [3], and the Energy Saving Trust says there are nearly 1.7 million installations on homes across the UK [1]; new installations and removals can both rise. Panels can be taken off and refitted when a roof needs work; that is covered in solar panel removal and reinstallation.
Whether to add a battery is a separate decision: solar panels with or without a battery. Prices by size are on solar panel costs.
Sources
- Energy Saving Trust, Solar panels: costs, savings and benefits explained, updated 1 Oct 2026, read 13 Oct 2026
- Energy Saving Trust, How do we calculate our energy saving data?, read 13 Oct 2026
- DESNZ, Solar PV cost data 2025-26 (TIC basis), published 28 May 2026, read 12 Oct 2026
- DESNZ, Energy Trends: Feed-in Tariff load factor analysis 2024/25, published 18 Dec 2025, read 12 Oct 2026
- MCS 032:2025, solar PV and battery pre-sale information and performance estimate standard, 1 Jan 2025, read 13 Oct 2026
- Ofgem, Energy price cap unit rates and standing charges, 1 Oct to 31 Dec 2026, read 13 Oct 2026
- Ofgem, Smart Export Guarantee annual report, year 5 (2024-25), Dec 2025, read 13 Oct 2026
- British Gas, Smart Export Guarantee tariffs, updated 27 Aug 2026, read 13 Oct 2026
- Octopus Energy, Outgoing Octopus, read 13 Oct 2026
- HMRC, VAT Notice 708/6: energy-saving materials and heating equipment, read 13 Oct 2026