Yearly solar energy comes from an hour-by-hour model: the PVWatts Version 8 engine (NREL's open solar model) simulates a typical year of real weather at your location with your panel watts, inverter limit, a 96% assumed inverter efficiency and no rear-side (bifacial) gain. With no ZIP, a simple daily estimate is used instead: peak sun hours x 365 x system size x production factor, capped at the inverter limit. Savings count only the share your home uses: savings = used energy x your electricity rate. Any solar your home does not use earns no savings or export credit in this estimate. Ground mounting assumes a sunny, unshaded 35-degree tilt facing south; a balcony assumes vertical panels on a south-facing railing. Sun data uses the free NREL demo key with per-visitor rate limits, so heavy repeat use may pause lookups for an hour. Disclosure: this calculator was built by Teresa Russell, founder of OwnWatts, a plug-in solar shop. This is a feedback prototype - no products are sold or linked here.