IRA Energy Efficiency Rebate Calculator
Comprehensive IRA Incentives
Calculate all available IRA energy efficiency credits and rebates
Single Upgrade Credit
Formula
25C Credit = min(30% × Cost, Category Cap); HOMES Rebate = min(Cost × Income%, Category Cap, $14,000 total); Solar ITC = 30% × (Solar + Battery Cost); Total = HOMES + 25C + Solar ITC + EV Charger Credit
Frequently Asked Questions
What is the difference between the HOMES rebate and the 25C tax credit?
The HOMES rebate is an upfront point-of-sale discount available to low and moderate income households (up to $14,000). The 25C tax credit is available to everyone regardless of income, up to $3,200/year, and is claimed on your tax return. In some cases, these can be combined for maximum savings.
How do I know if I qualify for the HOMES rebate?
Qualification is based on Area Median Income (AMI). Households below 80% AMI get 100% of costs covered (up to caps). Those at 80-150% AMI get 50% covered. Check your state's program administrator for specific AMI thresholds in your area.
Can I claim these credits over multiple years?
Yes! The 25C tax credit has a $3,200 annual limit but resets each year through 2032. You can strategically spread upgrades across tax years to maximize credits. For example, do a heat pump one year ($2,000 credit) and windows + insulation the next ($1,800 credit).
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