Solar Payback Calculator (Net Billing)

Simple payback for a solar system in Pakistan under the new net billing rules — not the old, more generous net metering

The share of what your panels generate that you use directly rather than export. Households home during the day (or running AC/pumps in daylight hours) typically self-consume more — 50-70% is common; a home empty all day may be closer to 20-40%.

Pakistan replaced 1:1 net metering with net billing on 16 December 2025. Exported units now earn roughly Rs 13/unit (the National Average Export Purchase Price), down from near-retail parity (previously around Rs 27/unit for many consumers). Any calculator still using the old export rate will show you a shorter payback than you'll actually get.

Net metering agreements signed before the Prosumer Regulations cutoff remain on 1:1 offsetting until their original agreement expires. Adding panels or otherwise materially modifying an existing net-metered system triggers a mandatory switch to net billing rates.

This is a simple payback calculation only — no discount rate, NPV, IRR, or financing scenario. Installed cost and generation are estimates; get a site-specific quote before deciding.

Frequently Asked Questions

What changed between net metering and net billing?
Under the old 1:1 net metering, exported units offset your consumption at close to the same rate you'd otherwise pay to import — near-retail parity. Under net billing (NEPRA Prosumer Regulations 2025, effective 16 December 2025), exported units are instead credited at the National Average Export Purchase Price, materially lower than retail — roughly Rs13/unit versus the previous ~Rs26-27/unit for many consumers.
Am I still on the old net metering rate?
If you signed your net metering agreement before the Prosumer Regulations cutoff, you stay on 1:1 offsetting until that agreement's original expiry date. Adding panels or otherwise materially modifying the system triggers a mandatory move to net billing rates.
Why does this calculator show no discount rate or IRR?
Deliberately. This site avoids interest-rate and investment-return calculations across every calculator, including this one. Simple payback (installed cost ÷ annual saving) and a nominal 25-year cumulative total are the only figures shown — no NPV, no IRR, no financed/EMI scenario.
Why does my self-consumption ratio matter so much?
Because self-consumed units save you the full import tariff rate, while exported units now earn the much lower net billing rate. A household that uses more of its own solar generation directly — rather than exporting the surplus — gets a shorter payback under the current rules than one that exports heavily.

Pakistan's solar rooftop economics changed materially when NEPRA replaced 1:1 net metering with net billing under the Prosumer Regulations 2025 — a shift that affects how much a rooftop solar system actually saves you, not just how the paperwork is structured.

Net metering vs. net billing — the difference that matters

Under the older net metering regime, excess solar energy you exported to the grid was credited at the same rate you'd pay to import electricity — a straight 1:1 swap. Under the current net billing regime, exported energy is instead credited at a separate, generally lower export rate, while imported electricity from the grid is still charged at the full retail tariff — meaning the value of energy you export is now meaningfully less than the value of energy you'd otherwise have bought, which changes the payback math for anyone whose system sometimes exports more than they consume in real time.

A worked example

A household that previously assumed their solar system would offset 100% of imported electricity value through export credits, under the old net metering assumption, will find their actual payback period is longer under net billing — because surplus exported units are now worth less per unit than the electricity they're not importing, not equal to it.

How this connects to your other decisions

Before sizing a system, use the Solar System Size Calculator to right-size it against your actual consumption, city sunlight hours, and available roof space — an oversized system exports more surplus at the lower net-billing rate, which can actually worsen payback rather than improve it, unlike under the old net metering rules where oversizing was less punished. And since this calculator's core savings assumption depends on your current NEPRA tariff, cross-check your baseline bill against the Electricity Bill Calculator first.

Common mistakes

The single most common mistake is running payback numbers using an older net metering assumption — either from an outdated calculator, an installer's boilerplate pitch, or simply not knowing the rules changed — which systematically overstates how much a system will actually save under the current net billing regime. Always confirm which regulation an installer's payback estimate is actually using before trusting the number.

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