Free Heat Pump Calculator & Cost Estimator
Enter your home size, current heating fuel, and state to instantly estimate your heat pump cost, rebates, and annual savings. Free to use, and no email required.
Heat Pump Savings Calculator
Instant estimate — no email required
15-Year Cumulative Savings
Updates live as you change home size, fuel, or state
Best Smart Thermostats for Heat Pumps (2026)
The right thermostats for heat pumps, compared on multi-stage and aux-heat control, sensors, and mini-split support.
The free heat pump estimator built on real local data
Most heat pump estimators hide their numbers behind a lead form. This free calculator does the opposite: it runs instantly in your browser using your climate, local electricity rate, current fuel price, and typical installed cost. Want more detail? Browse heat pump cost by state or check heat pump rebates in your state.
How Heat Pumps Work
🌡️ Heat Pump Basics
A heat pump moves heat rather than burning fuel — pulling warmth from outside air in winter and pushing it out in summer. Because it moves 2.5–3.5 units of heat per unit of electricity, it's far more efficient than a furnace or electric baseboard.
💰 What Affects Your Savings?
Your current fuel matters most. Switching from electric resistance, propane, or oil delivers the biggest savings. Versus cheap natural gas, operating savings shrink — but you still gain efficient cooling and lower emissions. Local electricity rates and climate also drive the result.
🏛️ Federal Tax Credit (Expired)
The 25C federal heat-pump tax credit (up to $2,000) ended December 31, 2025. Heat pumps installed in 2026 don't qualify. But the HEEHRA rebate (up to $8,000 for income-qualified households) and many state/utility rebates are still available.
❄️ Cold-Climate Performance
Modern cold-climate heat pumps keep a coefficient of performance above 2.0 even at -13°F. Maine and Minnesota — two of the coldest states — have some of the highest heat-pump adoption in the U.S.
Free Heat Pump Calculator FAQ
Is this heat pump calculator really free?
Yes. Our heat pump calculator and cost estimator are 100% free — no email, phone number, or sign-up required. Enter your home size, current heating fuel, and state to get an instant estimate.
Do I have to enter my email or phone number?
No. The estimator runs entirely in your browser and asks for nothing personal. You only share contact details later if you choose to request quotes from installers.
How accurate is the heat pump estimator?
It uses real, state-by-state data — your local electricity rate, climate (heating degree days), current fuel prices, and typical installed cost. It is a strong planning estimate; a licensed installer confirms exact sizing and pricing with a home assessment.
What information do I need to use it?
Three things: your home size in square feet, your current heating fuel (gas, electric, propane, or oil), and your state. The calculator estimates install cost, rebates, annual heating savings, and 15-year return.
Does the calculator include the federal heat pump tax credit?
The 25C federal heat-pump tax credit (up to $2,000) expired December 31, 2025, so our 2026 estimates do not assume it. The calculator instead reflects the HEEHRA rebate (up to $8,000 for income-qualified households) and the state and utility rebates available in your area.
How does the calculator estimate my savings?
It compares a heat pump’s running cost against your current heating fuel using a seasonal coefficient of performance, your local electricity rate, and your climate — then factors in installed cost and available rebates to show payback and long-term savings.