Heat Pump vs. Tankless Water Heater ROI Calculator

Calculate your annual hot water utility costs and discover the payback period of upgrading to a high-efficiency system.

Estimated Annual Operating Cost

Current (Electric Tank) $0
Gas Tankless $0
Heat Pump (HPWH) $0
HPWH Annual Savings $0/yr
💰 Claim Up To $2,000 in Federal Tax Credits

Under the Inflation Reduction Act, homeowners who upgrade to an ENERGY STAR certified Heat Pump Water Heater can claim a federal tax credit for 30% of the project cost (up to $2,000). Many state utility companies also offer instant $300-$500 point-of-sale rebates on these units.

Plumbing & Electrical Installation Help

Converting from gas to a heat pump, or upgrading to a tankless system, requires specialized plumbing modifications and dedicated electrical circuits. Connect with licensed local plumbers to get your installation quoted.

Top-Rated High Efficiency Water Heaters

Highest Efficiency
Rheem ProTerra Hybrid Heat Pump
The industry standard for HPWHs. Operates at up to 4.0 UEF (400% efficiency), featuring built-in leak detection and smartphone scheduling.
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Endless Hot Water
Rinnai High-Efficiency Tankless
If you already have gas lines installed, condensing tankless heaters provide infinite hot water on demand while saving significant space.
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How Heat Pump Water Heaters Achieve 400% Efficiency

Moving Heat vs. Making Heat

Standard electric water heaters run an electrical current through a resistance coil to generate heat. For every 1 unit of electricity you put in, you get exactly 1 unit of heat out (100% efficiency). Heat Pump Water Heaters work like a refrigerator in reverse. They use electricity to run a compressor that pulls ambient heat out of the surrounding air and dumps it into the water tank. Because they are moving heat rather than creating it, they can move 3 to 4 units of heat for every 1 unit of electricity consumed (300% to 400% efficiency).

Things to Consider Before Upgrading to a HPWH

Frequently Asked Questions

What is the "Payback Period" or ROI?

The payback period is how long it takes for the monthly electricity savings to cover the higher initial purchase price of the unit. With current tax credits and utility rebates, a Heat Pump Water Heater often pays for itself in just 1.5 to 3 years compared to replacing it with a standard electric tank.

Is it cheaper to run a Gas Tankless or a Heat Pump Water Heater?

In almost all regions of the United States, a Heat Pump Water Heater is cheaper to operate annually than a natural gas tankless heater. However, gas tankless heaters have the distinct advantage of never running out of hot water, regardless of how many showers are running sequentially.