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UK Solar Panel Payback Calculator

Real regional generation yields — a Scottish roof produces meaningfully less than a South England one — plus SEG export income, for an honest payback period.

✓ Free to use ✓ Region-aware yields ✓ SEG export income ✓ Shareable results
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£
Self-use, electricity price & export rate
Annual Generation
Annual Savings + Export
Payback Period
25-Year Net Value

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Why location matters more than most calculators admit

Most online solar calculators use a single UK-wide generation figure — usually a South England number that doesn't reflect what a Glasgow or Aberdeen roof will actually produce. Annual generation per kWp of panel:

RegionkWh per kWp per year
South England~1,050
Midlands / North England~975
Scotland~875

Based on a south-facing roof at roughly 35° pitch — east/west-facing or flatter roofs generate less regardless of region.

Two ways solar pays you back

Power you generate and use yourself saves you the full retail electricity price (26.11p/kWh at the current price cap). Power you generate but don't use gets exported to the grid under the Smart Export Guarantee (SEG), paid at a rate your supplier sets — typically 4-15p/kWh, with premium tariffs (like Octopus's Outgoing) at the top end. Self-use is worth roughly 5x more per kWh than export, which is exactly why battery storage (to shift more generation into self-use) is often pitched alongside solar.

Worked example

A 4kWp system in Scotland (£6,000 installed) generates about 3,500 kWh/year. At 45% self-use and a 5p/kWh export rate, that's roughly £507/year in combined savings and export income — an 11.8-year payback. The same system in South England, generating ~4,200 kWh/year, would pay back meaningfully faster.

Figures based on typical MCS-standard regional yield estimates, current Ofgem price cap electricity rates, and published SEG rate ranges. This is a simplified model — it doesn't account for panel degradation (~0.5%/year), electricity price inflation, or battery storage, all of which shift the real numbers over 25 years. 0% VAT currently applies to qualifying UK solar installations.

Frequently Asked Questions

Is solar worth it in Scotland?+
Yes, though payback takes longer than in the south — roughly 875 kWh/kWp/year in Scotland versus 1,050 in South England means about 17% less generation for the same system, but Scottish electricity prices are the same as the rest of GB, so the savings side of the equation is identical. See the same system compared directly against South England →
Should I get a battery too?+
A battery lets you store daytime generation for evening use, pushing your self-use percentage up (sometimes to 60-80%) instead of exporting it at a much lower rate. It adds cost, but if your export rate is low, the payback figures often improve.
Do panels really last 25 years?+
Most manufacturers warranty output at 80-90% of original capacity after 25 years — panels degrade slowly (roughly 0.5%/year) rather than failing outright, so generation in year 25 is somewhat lower than year 1, which this simplified calculator doesn't model.

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