Individual skill

solar-breakeven

Model whether solar panels pay for themselves for your roof — net cost after incentives, bill offset with degradation, electricity inflation, the inverter replacement, and the breakeven year, plus the policy risk no calculator controls. Use when asked are solar panels worth it, when does solar break even, check this solar quote's payback claim, or model solar for my bill. Produces the year-by-year table from the script, the breakeven year, the quote-vs-model comparison, and the not-modeled list led by net-metering risk.

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# Solar Breakeven Skill

Every solar quote comes with a payback claim, and the claim always assumes the sunny version: full incentive eligibility, generous net metering forever, zero maintenance. This skill runs the honest model — net cost after *verified* incentives, offset that degrades ~0.5%/yr, electricity prices that inflate, and the inverter that dies around year 12 — and reports the breakeven year with its assumptions labeled. The biggest risk stays outside every model and gets named instead: net-metering policy is a regulatory decision that can change under you, and it moves paybacks by years.

## What This Skill Produces

- **The year-by-year table** — savings, cumulative, vs-cost — from the script
- **The breakeven year** — and the net gain at the 25-year warranty horizon
- **The quote check** — the installer's payback claim vs. this model, with the assumption gaps named
- **The not-modeled list** — net-metering risk first, financing interest, roof interactions

## Required Inputs

Ask for these if not provided:
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