Mini Split Savings Calculator

HSPF (Heating Seasonal Performance Factor) measures BTU of heat delivered per watt-hour of electricity over a typical heating season. A unit with HSPF 10 delivers roughly 3× the heat of a baseboard heater per kWh.

Real-world savings depend heavily on climate. In subzero weather, capacity drops and you'll need a backup heat source — model that into the comparison.

• Stack state and utility rebates — the federal heat pump tax credit (25C) ended Dec 31, 2025.
• Stack your state and utility rebates — combined incentives can cover 30-60% of install cost.
• Right-size, don't oversize. Oversized mini splits short-cycle and lose efficiency.
• Air seal and insulate first — a tighter house lets you install a smaller, cheaper unit.

Results are estimates based on typical conditions. Actual costs vary by climate, utility rates, equipment efficiency, and home characteristics. Use them as a starting point — for precise figures consult a qualified energy auditor or your utility company. Estimates are not a guarantee, and any work you do on your home is at your own risk — we are not liable for installation errors or property damage. Air sealing a home with gas, oil, propane, or wood-burning appliances can cause backdrafting and carbon monoxide risk — get a combustion safety test and keep CO alarms working. See our Disclaimer.