Insulation Energy Savings & Payback Calculator
Insulation is an investment with a measurable return. Enter your bill, project cost and any rebates to see when the job pays for itself.
Your project
Your results
- Annual energy savings
- $378
- Monthly savings
- $32
- Net project cost after rebates
- $1,800
- Payback period
- 4.8 years
- 10-year savings
- $3,780
- 10-year net gain
- $1,980
- Return on investment
- 110%
Estimates use typical US material and labor pricing. Confirm quantities against the coverage chart on the bag before you buy.
Gear for this job
Thermal Leak Detector Infrared
BLACK+DECKER Thermal Leak Detector (TLD100)
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Flir One - Thermal Imaging Camera for iOS Smartphones (iPhone 14 and Older w/Lightning Port), 240x180 Super Resolution (80x60 Native IR)
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Elitech HVAC Refrigerant Leak Detector 10 Yrs Infrared Sensor Life, Halogen Freon Sniffer, Air Conditioning Detection, Automotive Gas Finder, ILD-200
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Blown In Cellulose Insulation
Owens Corning R-19 Unfaced Fiberglass Insulation 77.5 Sq.ft (15 in x 93 in) 1 Batt
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Attic Measuring Rulers (Case of 400), 20 Inch, Card Stock, Attic Insulation R-Value Ruler for Insulators Ceiling Insulation
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DGSL Double Reflective Bubble Foil Insulation Foam, 23.6 in X 10 FT Aluminum Foil Thermal Insulation Radiant Barrier for Window, Garage Door, RV, Roof
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Weatherstripping Door Seal
Holikme Weather Stripping Door Seal, Shower Door Seal Strip,1.8" W-33Feet | Flexible Door Seal, Seals Gaps up to 1.2", Helps Reduce Air Leaks & Dust, For Doors & Windows
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Ninsula 33Ft Door Weather Stripping, (1/2in x 1/4in), Strong Adhesive, Sound Proof, Door Insulation, Weatherproof Foam Tape for Doors, Weatherstripping for Doors Frames, Windows
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Ravinte Weather Stripping Door Seal, Q-Shaped Kerf Foam Strip, 26 FT, Black | Push-In Door Weather Stripping, No Adhesive, Fits 0.35 to 0.59 Inch Gaps, Door Frame and Jamb Seal, Blocks Drafts and Noise
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How this calculator works
- Annual savings = monthly bill × 12 × savings %
- Net cost = project cost − rebates and credits
- Payback = net cost ÷ annual savings
Frequently asked questions
How much can insulation cut my energy bill?
The DOE puts typical whole-home savings at about 15% of heating and cooling costs from air sealing plus attic insulation. Badly under-insulated houses see far more.
Are there tax credits for insulation in 2026?
Federal energy-efficiency credits have covered 30% of insulation material cost up to an annual cap, and many utilities stack their own rebates on top. Check your utility's current program before you buy.
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Annual energy savings
$378