Real-World Heat Pump Economics

Heat pump payback — the conservative numbers.

Most heat pump payback calculators are run by the people selling them. This one isn't. Enter your real gas usage, your real electricity tariff, and we'll model 10 years of running costs — including the £7,500 BUS grant — using median real-world performance, not best-case manufacturer claims.

1. House

2. Heating

3. Tariffs

4. Result

Your house

Step 1 of 3.

Approximate floor area (m²)

Average UK home is ~95 m². 3-bed semi typically 80–110. 4-bed detached 130–180.

EPC rating (heat-loss proxy)

Don't know

Property age (insulation/draught quality proxy)

Post-2000

1980–2000

1945–1980

Pre-1945

Your current heating

Step 2 of 3 — the more accurate your gas usage, the better the payback estimate.

Current main heating

Gas boiler

Oil boiler

LPG

Electric storage / panel

Other

Annual gas usage (kWh) — from your bill

If you don't know, leave blank and we'll estimate from floor area + EPC. Your annual statement shows it.

Heat pump type to model

Air-source (ASHP) — most common

Ground-source (GSHP) — higher cost, higher COP

Air-source: £8,500–£14,500 typical install. Ground-source: £18,000–£28,000.

Your tariffs

Step 3 of 3 — using your actual rates, not the headline cap.

Your electricity unit rate (pence per kWh)

UK average ~27p/kWh in 2026. If you're on a heat-pump-specific tariff (Octopus Cosy, OVO Heat Pump Plus, etc.), enter the off-peak rate.

Your gas unit rate (pence per kWh)

UK average ~6.5p/kWh in 2026.

Apply £7,500 BUS grant?

Yes — owner-occupier

Boiler Upgrade Scheme grants £7,500 towards a heat pump for owner-occupiers and small businesses.

✓

Your detailed report is on its way.

We'll email a personalised PDF within one working day with the full calculation breakdown, sensitivity analysis (what changes if tariffs move), and three independent installer quote pathways if you want to take it further. No sales pressure.