US Home Battery Backup

US homeowners · 2026

US Home Battery Backup: Size, Cost & Payback — After the Federal Credit Ended

Two calculators, no sales pitch. Find out what size battery you actually need, what it might cost now, and how long simple payback takes — before you talk to an installer.

2026 rule, read first: $0 federal credit for a homeowner-owned battery installed in 2026. The 30% Residential Clean Energy Credit (§25D) does not apply to homeowner expenditures made after 31 December 2025 (Public Law 119-21 §70506; IRS Fact Sheet FS-2025-05, via The Solar Book). The expenditure counts when installation is completed, not when it was paid for. Lease / PPA treatment under §48E is different and depends on the contract price. This is not tax advice — re-check before publishing or acting.

Background video: Vitaliy Izonin, TR Studio, Rustem Muratov / Pexels

Two calculators, in the right order

Home Battery Size Calculator

Answers one question: how many kWh do you need, and how many 13.5 kWh example units does that mean? Daily use × outage hours ÷ 24, rounded up to whole units.

Start sizing

Home Battery Cost & Payback Calculator 2026

Answers the next question: installed cost, $0 federal credit, bill savings plus any confirmed programme payment — and the simple payback that follows from those numbers, not from a promise.

Start costing

Build Your Backup Load

Drag your appliances — fridge, TV, lights, fans, iron — into My Home and see the watts, the battery size, and the cost range live. Fun to play with, free, no sign-up.

Build my load

Both calculators show their formulas on the page. Get a site-specific quote from a licensed installer, check your utility's rules, and speak to a tax professional before buying.

Three steps, then you talk to an installer

1

Size it

Whole home or essential loads only? Your daily use and the outage hours you want to cover decide the answer — not a brand, and not a neighbour's system.

2

Price it in 2026

Use the post-credit maths. No 30% credit for a homeowner-owned 2026 install, and no programme payment unless your own utility confirms one.

3

Check your state

Programmes, export rates, and outage patterns are state-specific. Check the official page for your utility and address before you sign anything.

State pages first — national averages do not decide a battery

Full page

Massachusetts

ConnectedSolutions demand-response example, plus what to check officially.

Massachusetts guide

Full page

California

NEM 3.0 and SGIP topics, plus what to check officially.

California guide

Coming next

Rhode Island & Connecticut

Blog guide, programme TODO — not filled with a copied rate.

Blog guide · State hub

Coming next

Texas

Outage backup, no statewide net metering — programme TODO.

Blog guide · State hub

Coming next

Florida

Hurricane backup — programme TODO.

Blog guide · State hub

Read one guide before you buy

Guides: whole-home vs essential loads, buy vs lease in 2026, and 7 mistakes. Blog: state guides, payback, panel upgrades, solar + battery vs battery alone, EV owners, warranties, and multi-day outage planning.

Our editorial line, plainly stated: judge a battery on backup first, not on an ROI promise. If the backup case does not work for your home, a payback spreadsheet should not talk you into it.

Research examples only — not your home's numbers

Figures used on this site come only from the research reports, with sources labelled: installed cost roughly $12,000–$16,000 per 13.5 kWh unit in 2026 (GreenEnergyCalc / NuWatt, via the research reports); bill-shifting example ~$797/year at the research calculator's defaults for one unit (~17 years at those defaults; 15.1–20.1 years across the ends of the cost range); MA/RI/CT ConnectedSolutions demand-response example about $1,125–$1,375/year (~6–8 years at those defaults; 5.5–8.3 years across the ends of both ranges). Those examples are not your home's saving or your utility's rate.

What this site will not do

  • No guaranteed saving, discount, or payback figure as a benefit of using a link.
  • No state rate copied from another state, blog, or directory.
  • No live affiliate link yet — see Affiliate Disclosure for exactly what is and is not live.

Frequently asked questions

Is a home battery worth it in 2026 now that the federal credit is gone?

It depends on your state programme, your outage risk, and your peak rates — not on a national average. Use the size calculator, then the cost calculator with a programme payment only if your official utility programme states one. On bill savings alone, the research examples show a long payback; backup and programme payments are the main value, not a guaranteed investment return.

Do I need solar to get a home battery?

No. A battery can charge from the grid. Solar changes the maths (recharging during an outage, export rates), but battery-only is a real option — check your utility's battery rules and any advisor route for battery-only quotes, and do not assume a solar+battery quote funnel covers battery-only.

What should I check before buying?

Your licensed installer's site-specific quote, your utility's programme terms and export rate for your exact address, your panel capacity, and the battery warranty terms (cycles, throughput, degradation) on the manufacturer's spec sheet.

Next steps: Battery size calculator · Cost & payback calculator · State pages · Guides · Blog