Whole-Home Electrification Payback
Converting every remaining gas appliance at once, instead of one at a time, changes the economics: you can drop the fixed monthly gas service fee entirely, but the upfront bill is much larger. This tool compares the full-project cost against your combined annual savings, fixed fee included.
At your inputs, full electrification pays back in 30.0 years and changes your annual cost by $600 a year.
| Net cost after confirmed incentives | $18,000 |
|---|---|
| Annual savings | $600 |
- This uses planning estimates you entered, not a contractor quote or guaranteed savings.
- A lower calculated cost does not measure comfort, noise, or the value of removing gas entirely; weigh those separately.
What this also tells you: If your annual savings are 20% higher or lower than entered, full electrification payback would move from 37.5 years to 25.0 years.
This is a planning estimate based on your entries. It does not size equipment, determine electrical or building-code compliance, verify incentive eligibility, or replace a contractor quote or professional energy audit.
Why this decision comes up
Homeowners converting appliance by appliance over several years often miss the moment where going "all the way" would have unlocked a bigger savings lever: dropping gas service entirely. This tool is for the homeowner deciding whether to commit to the full project in one move.
How this is calculated
This is a payback calculation across your whole project: total net cost to convert every remaining gas appliance, divided by the annual savings, which should include both the energy cost difference and any fixed gas service fee you can eliminate.
A worked example
With the defaults ($18,000 total net cost, $3,200/year combined cost dropping to $2,600/year), the annual savings is $600 and payback lands at 30.0 years, longer than most homeowners' ownership horizon at these defaults. A larger fixed-fee removal or a colder climate with a bigger heating-cost delta can shorten this meaningfully; run your own real numbers rather than relying on the defaults.
Common mistakes
The most common mistake is estimating the annual savings from energy cost alone and forgetting the fixed monthly gas service fee, which can be a substantial share of total savings once gas is removed entirely.
Limitations
This treats the whole-home conversion as one lump cost and one lump savings figure. If you want to see the economics of each individual appliance conversion, or the order that keeps the project affordable, use the appliance-specific tools and the sequencing tool instead.
Common questions
Why would converting everything at once be cheaper than doing it gradually?
If your last remaining gas appliance is removed, you can eliminate the gas utility's fixed monthly service charge entirely, which a partial conversion cannot capture. That fixed-fee removal is often a meaningful part of the total annual savings.
Should I convert everything at once or one appliance at a time?
That depends on your budget and financing options as much as the pure payback math. Use the electrification sequencing tool to see which order makes sense if you cannot do it all at once.
Does this include the cost of removing the gas line and meter?
Only if you include it in your entered installed cost. The gas service removal payback tool isolates that specific cost and its own savings if you want to evaluate it separately.
Does this account for financing the whole project instead of paying cash?
Not directly; this tool is undiscounted simple payback. Apply the panel upgrade financing impact tool's discount-rate approach to your combined project numbers if you want to see the effect of financing on this larger total.
What if I'm doing this in stages but want to see the end-state savings now?
Enter your full combined net cost and combined annual savings as if the whole project were already finished. That gives you the destination number to compare against a staged plan's eventual total.