HVAC & Utilities Cost Calculators

15 free HVAC and home utilities calculators — from HVAC system replacement to insulation upgrades, water heaters, and ductwork. Get estimates and IRA tax credit guidance instantly.

IRA tax credits for HVAC upgrades (2026)

Heat Pump (Air-Source)Must be ≥16 SEER2 / 8.5 HSPF2

30% up to $2,000

Heat Pump Water HeaterCombined $2,000 max with heat pump

30% up to $2,000

Central AC (≥16 SEER2)Energy Star certified

30% up to $600

Gas Furnace (≥97 AFUE)Northern climate requirement

30% up to $600

Insulation & Air SealingMeets IECC standards

30% up to $1,200

Annual credits — can claim each category up to the limit per year. Not a rebate; reduces tax owed.

HVAC Installation Cost Calculator

Estimate full HVAC system installation by system type, home size, and SEER rating

$5,000–$12,500System type comparisonIRA tax credit

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Furnace & AC Replacement Cost Calculator

Calculate furnace and AC replacement costs with bundle savings and tax credit analysis

$3,000–$12,000Bundle 5–8% savingsHigh-efficiency credits

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Central Air Installation Cost Calculator

Estimate central AC installation by home size, SEER rating, and ductwork condition

$3,500–$8,000Tonnage calculatorSEER ≥16 tax credit

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Mini Split Installation Cost Calculator

Calculate ductless mini split costs by zone count, BTU, and brand tier

$2,000–$14,500Heat pump IRA creditMulti-zone savings

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Ductwork Installation Cost Calculator

Estimate new ductwork installation costs by home size and material

$2,000–$8,000Flex/sheet metal/fiberboardZone add-ons

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Ductwork Replacement Cost Calculator

Calculate ductwork replacement costs including removal and asbestos remediation

$3,000–$10,000Asbestos flagPartial vs full replacement

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Attic Insulation Cost Calculator

Calculate attic insulation costs with payback period and IRA tax credit

$1,500–$5,500R-value guide$1,200 IRA credit

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Attic Insulation Replacement Cost Calculator

Estimate replacement costs including old insulation removal and remediation

$2,000–$7,000Removal costMold/pest remediation

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Blown-In Insulation Cost Calculator

Calculate blown-in insulation costs by material and R-value target

$1,000–$4,000Cellulose/fiberglass/spray foamDepth calculator

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Water Heater Replacement Cost Calculator

Calculate water heater replacement costs with IRA tax credit analysis

$600–$4,500Heat pump 30% creditTank vs tankless

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Water Heater Installation Cost Calculator

Estimate new water heater installation with gas line and permit add-ons

$800–$5,000Gas line add-onPermit cost included

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Water Heater Maintenance Cost Calculator

Estimate annual maintenance costs with 5-year projection

$100–$500/yrAnnual vs deferred cost5-year projection

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Whole House Humidifier Installation Cost Calculator

Calculate whole-house humidifier installation costs by type and home size

$400–$1,600Bypass/fan-powered/steamHome size guide

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Humidifier Maintenance Cost Calculator

Estimate annual humidifier maintenance costs with urgency assessment

$60–$350/yrUrgency color codePart-by-part breakdown

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Reverse Osmosis Installation Cost Calculator

Calculate RO system installation costs with bottled water savings comparison

$250–$1,800vs bottled water savingsCost per gallon

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