Real Estate & Mortgage
Energy Efficient Mortgage
See how rolling energy-efficiency upgrade costs into your mortgage compares to the utility savings.
Your inputs
Change any value to update the result instantly.
Net monthly change
25.1898
Added mortgage payment
94.8102
Estimated utility savings
120
Simple payback (utility only)
10.4167 years
Formula and working
Added monthly payment from financed upgrades vs monthly utility savings
- 1
Collect the inputs
Energy upgrade cost = 15,000; Mortgage rate = 6.5 %; Loan term (years) = 30 years; Estimated monthly utility savings = 120
- 2
Apply the formula
Added monthly payment from financed upgrades vs monthly utility savings
- 3
Result
Net monthly change = 25.1898
Frequently asked questions
Important limitation
This is an educational estimate based only on the values and formula shown. Verify current rates, rules, units, and professional standards before relying on the result. It is not personalized financial or investment advice.
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