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Electrical & Solar

Solar Panel Calculator

Find out how big a solar array your electric bill actually calls for. Enter your average monthly kWh, the peak sun hours where you live, and the wattage of the panels you are considering to get the system size in kW, the number of modules, the roof area they occupy, and the annual production that array should deliver.

Reviewed by The CostToUpgrade Estimating Desk Last reviewed How we estimate

Your project

Usage

The US household average is about 900 kWh a month. Use a 12-month average, not one bill.

Most utilities will not credit production beyond your own annual usage, so 100% is the usual target.

Site

US average is roughly 4 to 5 — the Southwest is over 5.5, the Pacific Northwest is nearer 3.5.

Equipment

Residential modules sold in 2026 are mostly 400 to 480 W each.

Soiling, heat, inverter, and wiring. PVWatts defaults near 14%; 20% is the conservative planning figure.

Estimate

8.22kW DC

System size needed · Before rounding to whole panels

Panels required
19panels
Estimated annual production
10,985kWh
Roof area needed
399ft²
Daily production target
29.6kWh/day

Estimates are guidance only and exclude tax, labor, and site conditions unless stated. Confirm with a local pro.

How it's calculated

No black boxes — here is the exact math behind your estimate, so you can check it or adapt it for your own quote.

  1. 1Annual target (kWh) = monthly kWh × 12 × (offset % ÷ 100)
  2. 2Derate = 1 − system loss % ÷ 100 (0.80 at the default 20% losses)
  3. 3System size (kW) = annual target ÷ (365 × peak sun hours × derate)
  4. 4Panels = ⌈ system size × 1,000 ÷ watts per panel ⌉, and roof area = panels × 21 ft²
  5. 5Annual production = installed kW × 365 × peak sun hours × derate

Worked example

A home using 900 kWh a month at 4.5 peak sun hours, offsetting 100% with 440 W panels.

Inputs

Average monthly usage
900 kWh
Peak sun hours
4.5 hr/day
Usage to offset
100 %
Panel wattage
440 W
System losses
20 %

Result

System size needed
8.22 kW DC
Panels required
19 panels
Estimated annual production
10,985 kWh
Roof area needed
399 ft²
Daily production target
29.6 kWh/day

Tools & materials for this project

As an Amazon Associate we may earn from qualifying purchases, at no extra cost to you.

  • Home electricity usage monitor Measure real kWh use per circuit before you size an array.
  • Solar panel mounting rail kit Rails, L-feet, and clamps for a pitched-roof racking layout.
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Frequently asked questions

Why size on annual kWh instead of peak demand?
Because a grid-tied array is an energy offset, not a power supply. The grid still carries every instantaneous peak — the dryer, the AC compressor, the EV charger — and your system simply pushes kilowatt-hours back over the year to cancel out what you pulled. Sizing to peak demand would mean building an array three or four times larger than you can ever use. Off-grid and battery systems are the exception: there you do size to peak load and to the worst production month, usually December, not to an annual average.
Should I aim for a 100% offset?
Usually yes. Most net metering tariffs credit exported power at retail rate up to your own annual consumption and then pay wholesale, or nothing at all, for anything beyond it. Building past 100% therefore adds cost with a much longer payback. Many utilities also cap system size administratively at 100 to 120% of historical usage. The main reason to go above 100% is a known future load — an EV, a heat pump, or a pool — and even then, check whether your utility will approve the larger interconnection first.
How much does shading and roof direction matter?
More than panel brand, by a wide margin. A true-south array at a tilt near your latitude is the benchmark. East or west facing typically gives up 15 to 20% of annual production, and north facing in the US is rarely worth installing. Shade is worse still: with string inverters, one shaded module can drag down its entire string, which is why microinverters or DC optimizers are standard on complicated roofs. An installer will run a shade analysis on site before quoting real numbers.
How many panels fit on my roof?
Budget about 21 square feet per module including racking gaps, so a 19-panel array wants roughly 400 square feet of clear, unobstructed plane. That is not the same as your roof area. Fire codes in most jurisdictions require setbacks at ridges and along at least one side, and vents, chimneys, skylights, and dormers all carve into usable space. A practical rule is that you can use 60 to 75% of a given roof plane. Complex hip roofs land at the low end.
Will this estimate match a real quote?
It should land in the right neighborhood, usually within 10 to 15% of a proper design, but treat it strictly as a planning number. A real proposal uses hourly weather data for your specific address, measured shading, actual roof planes and tilts, inverter clipping behavior, and your utility rate structure. Before anything is ordered you also need a structural review of the roof framing for the added dead and wind load, an electrical review of the panel and busbar rating under NEC 705.12, and permits with utility interconnection approval. The locally adopted code and a licensed electrician or solar contractor govern the final design — nothing here substitutes for that.
Do panels degrade over time?
Yes, and it is predictable. Mainstream modules carry a production warranty of roughly 0.4 to 0.55% loss per year, so most are guaranteed at 85 to 92% of nameplate output at year 25. Real-world median degradation measured across large fleets is closer to 0.5% a year. That is already partly absorbed in the 20% loss figure this calculator defaults to. If you want to be sure of covering your usage in year 25 rather than year 1, size 5 to 10% above your target offset.