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Big Roof Britain Solar Payback Index Standing Charge Drag

Solar Panels in SA43 (Ceredigion)

See if solar pays off for you in Ceredigion — price, savings and payback in under a minute (official UK data).

Solar Calculator

Change the settings below to see how costs and savings work for your situation.

System Size

Roof Direction

Battery Storage

Export Value

Your Numbers

Break-even
12.4 years
After this, it's pure profit
Upfront Cost
£12,207
What you pay to get started
Annual Benefit
£981
What you save every year
Profit Over 25 Years
£12,306
After paying itself off, you're this much ahead

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How we calculate this

Solar generation: Based on typical south-facing roof at 35° angle. We account for weather, dirt, and system losses (14%).

How much you'll use directly:

  • Without battery: You'll use about 40% of what you generate. The rest gets sold back to the grid.
  • With 5 kWh battery: You'll use about 70% (battery stores extra for evening use).
  • With 10 kWh battery: You'll use about 75% (more storage means less exported).
  • Panel-only payback: Bigger systems don’t shorten payback—cost and savings rise together per kW.
  • Battery & payback: Batteries raise self-use and cut bills, but added hardware cost often lengthens break-even at typical UK rates.
  • When a battery can still make sense:
    • Evening-heavy usage patterns
    • Time-of-use tariffs / cheap night rates
    • Low export rate vs. high unit rate
    • Heat pump or EV charging synergy
    • Optional backup/resilience (system-dependent)
    • Lower evening-hour CO₂ vs. grid

Costs: Battery prices are typically £700 per kWh. Export tariffs vary by supplier (usually 5–15p per kWh).

Grid connection: Systems up to about 3.7 kW typically need just a notification (G98). Larger systems may need permission (G99).

These are typical values based on average usage patterns. Your actual results will vary based on your roof, shading, and how you use electricity.

Your area in context

In South Wales, the current unit rate is 26.83p/kWh with a 51.69p/day standing charge. Your postcode’s south-facing sunshine yield is 977 kWh/kW — 8 above the regional median (968).

Read the full story

A typical roof here lands around 6.0 kW, with most eligible homes comfortably fitting within 3–6 kW. Each kilowatt of panels produces roughly 977 kWh per year on a south-facing roof. We value self-used electricity at 26.8p and exported surplus at a baseline 10p via SEG. Use the calculator above for your exact tariff.

Unit rate
26.8p/kWh
Standing charge
51.7p/day
Sunshine yield (south)
977 kWh/kW
Export price (baseline)
10p/kWh

Browse the scenarios below. Each battery size has its own expand — open the one that matches your plan (or just explore). For each system size (2–8 kW) we show annual output, how much you use directly, what gets exported, annual benefit, upfront cost, break-even, and a 20-year net. Negative numbers are possible — that’s the honest trade-off when adding more battery than your usage profile justifies.

No battery 5 kW example → Annual benefit: £817, Upfront: £10,173, Break-even: 12.4 yrs
System Annual output Self-use Exported Bill saving Export income Annual benefit Upfront cost Break-even 20-year net
2 kW 1953 kWh 781 kWh 1172 kWh £210 £117 £327 £4,069 12.4 yrs £2,468
3 kW 2930 kWh 1172 kWh 1758 kWh £314 £176 £490 £6,104 12.4 yrs £3,702
4 kW 3907 kWh 1563 kWh 2344 kWh £419 £234 £654 £8,138 12.4 yrs £4,936
5 kW 4884 kWh 1953 kWh 2930 kWh £524 £293 £817 £10,173 12.4 yrs £6,170
6 kW 5860 kWh 2344 kWh 3516 kWh £629 £352 £981 £12,207 12.4 yrs £7,404
7 kW 6837 kWh 2735 kWh 4102 kWh £734 £410 £1,144 £14,242 12.4 yrs £8,637
8 kW 7814 kWh 3125 kWh 4688 kWh £839 £469 £1,307 £16,276 12.4 yrs £9,871

Assumptions: south-facing, sensible tilt; self-use shares from site rules; export at 10p baseline. Costs: panels £/kW = 2,035, battery £/kWh = 700.

3 kWh battery 5 kW example → Annual benefit: £981, Upfront: £12,273, Break-even: 12.5 yrs
System Annual output Self-use Exported Bill saving Export income Annual benefit Upfront cost Break-even 20-year net
2 kW 1953 kWh 1172 kWh 781 kWh £314 £78 £393 £6,169 15.7 yrs £1,683
3 kW 2930 kWh 1758 kWh 1172 kWh £472 £117 £589 £8,204 13.9 yrs £3,574
4 kW 3907 kWh 2344 kWh 1563 kWh £629 £156 £785 £10,238 13.0 yrs £5,466
5 kW 4884 kWh 2930 kWh 1953 kWh £786 £195 £981 £12,273 12.5 yrs £7,357
6 kW 5860 kWh 3516 kWh 2344 kWh £943 £234 £1,178 £14,307 12.1 yrs £9,249
7 kW 6837 kWh 4102 kWh 2735 kWh £1,101 £273 £1,374 £16,342 11.9 yrs £11,140
8 kW 7814 kWh 4688 kWh 3125 kWh £1,258 £313 £1,570 £18,376 11.7 yrs £13,031

Assumptions: south-facing, sensible tilt; self-use shares from site rules; export at 10p baseline. Costs: panels £/kW = 2,035, battery £/kWh = 700.

5 kWh battery 5 kW example → Annual benefit: £1,064, Upfront: £13,673, Break-even: 12.9 yrs
System Annual output Self-use Exported Bill saving Export income Annual benefit Upfront cost Break-even 20-year net
2 kW 1953 kWh 1367 kWh 586 kWh £367 £59 £425 £7,569 17.8 yrs £940
3 kW 2930 kWh 2051 kWh 879 kWh £550 £88 £638 £9,604 15.0 yrs £3,161
4 kW 3907 kWh 2735 kWh 1172 kWh £734 £117 £851 £11,638 13.7 yrs £5,381
5 kW 4884 kWh 3418 kWh 1465 kWh £917 £147 £1,064 £13,673 12.9 yrs £7,601
6 kW 5860 kWh 4102 kWh 1758 kWh £1,101 £176 £1,276 £15,707 12.3 yrs £9,821
7 kW 6837 kWh 4786 kWh 2051 kWh £1,284 £205 £1,489 £17,742 11.9 yrs £12,041
8 kW 7814 kWh 5470 kWh 2344 kWh £1,467 £234 £1,702 £19,776 11.6 yrs £14,262

Assumptions: south-facing, sensible tilt; self-use shares from site rules; export at 10p baseline. Costs: panels £/kW = 2,035, battery £/kWh = 700.

7.5 kWh battery 5 kW example → Annual benefit: £1,088, Upfront: £15,423, Break-even: 14.2 yrs
System Annual output Self-use Exported Bill saving Export income Annual benefit Upfront cost Break-even 20-year net
2 kW 1953 kWh 1426 kWh 527 kWh £383 £53 £435 £9,319 21.4 yrs £-612
3 kW 2930 kWh 2139 kWh 791 kWh £574 £79 £653 £11,354 17.4 yrs £1,706
4 kW 3907 kWh 2852 kWh 1055 kWh £765 £105 £871 £13,388 15.4 yrs £4,025
5 kW 4884 kWh 3565 kWh 1319 kWh £956 £132 £1,088 £15,423 14.2 yrs £6,344
6 kW 5860 kWh 4278 kWh 1582 kWh £1,148 £158 £1,306 £17,457 13.4 yrs £8,663
7 kW 6837 kWh 4991 kWh 1846 kWh £1,339 £185 £1,524 £19,492 12.8 yrs £10,982
8 kW 7814 kWh 5704 kWh 2110 kWh £1,530 £211 £1,741 £21,526 12.4 yrs £13,301

Assumptions: south-facing, sensible tilt; self-use shares from site rules; export at 10p baseline. Costs: panels £/kW = 2,035, battery £/kWh = 700.

10 kWh battery 5 kW example → Annual benefit: £1,105, Upfront: £17,173, Break-even: 15.5 yrs
System Annual output Self-use Exported Bill saving Export income Annual benefit Upfront cost Break-even 20-year net
2 kW 1953 kWh 1465 kWh 488 kWh £393 £49 £442 £11,069 25.0 yrs £-2,231
3 kW 2930 kWh 2198 kWh 733 kWh £590 £73 £663 £13,104 19.8 yrs £154
4 kW 3907 kWh 2930 kWh 977 kWh £786 £98 £884 £15,138 17.1 yrs £2,538
5 kW 4884 kWh 3663 kWh 1221 kWh £983 £122 £1,105 £17,173 15.5 yrs £4,923
6 kW 5860 kWh 4395 kWh 1465 kWh £1,179 £147 £1,326 £19,207 14.5 yrs £7,307
7 kW 6837 kWh 5128 kWh 1709 kWh £1,376 £171 £1,547 £21,242 13.7 yrs £9,692
8 kW 7814 kWh 5860 kWh 1953 kWh £1,572 £195 £1,768 £23,276 13.2 yrs £12,077

Assumptions: south-facing, sensible tilt; self-use shares from site rules; export at 10p baseline. Costs: panels £/kW = 2,035, battery £/kWh = 700.

13.5 kWh battery 5 kW example → Annual benefit: £1,121, Upfront: £19,623, Break-even: 17.5 yrs
System Annual output Self-use Exported Bill saving Export income Annual benefit Upfront cost Break-even 20-year net
2 kW 1953 kWh 1504 kWh 449 kWh £404 £45 £448 £13,519 30.1 yrs £-4,549
3 kW 2930 kWh 2256 kWh 674 kWh £605 £67 £673 £15,554 23.1 yrs £-2,099
4 kW 3907 kWh 3008 kWh 899 kWh £807 £90 £897 £17,588 19.6 yrs £351
5 kW 4884 kWh 3760 kWh 1123 kWh £1,009 £112 £1,121 £19,623 17.5 yrs £2,802
6 kW 5860 kWh 4512 kWh 1348 kWh £1,211 £135 £1,345 £21,657 16.1 yrs £5,252
7 kW 6837 kWh 5264 kWh 1572 kWh £1,412 £157 £1,570 £23,692 15.1 yrs £7,702
8 kW 7814 kWh 6016 kWh 1797 kWh £1,614 £180 £1,794 £25,726 14.3 yrs £10,153

Assumptions: south-facing, sensible tilt; self-use shares from site rules; export at 10p baseline. Costs: panels £/kW = 2,035, battery £/kWh = 700.

Figures are illustrative and use the same method as the calculator above. For exact results, adjust your roof direction, tariff, and usage in the calculator.

Insights for SA43

Figures below are tailored to SA43 — click through for full league tables.

Big-Roof Britain Rank #188 of 2182
6.2 kWp (UK avg 5.1 kWp)
~13 panels (≈430 W)
Solar Payback Index Rank #1057 of 2997
10.8 years (UK avg 11.3 years)
~£1,128 /yr • £12,207 upfront
Standing-Charge Drag Rank #661 of 2997
16.7% (UK avg 21.7%) drag on savings
£189 fixed • ~£1,128 /yr value

Your Area at a Glance

Your Electricity Rate
26.83p/kWh
Daily Fixed Charge
51.69p/day
Local Sunshine
977kWh/kW
A 1 kW system generates ~977 kWh per year. A typical home uses ~2,700 kWh per year.
Typical System Size
6.0kW
For houses & bungalows in this area

Local Property Data

Property Types

Houses: 58% • Flats: 11% • Bungalows: 28% Based on 4,908 properties

Coverage

Ceredigion (74%)|Pembrokeshire (26%)

Areas Covered

Teifi, Aberporth and Y Ferwig, St Dogmaels, Beulah and Llangoedmor, Cilgerran and Eglwyswrw, Mwldan, Penbryn, Boncath and Clydau

Data Sources & Assumptions

Solar yield: PVGIS (EU Joint Research Centre), January 2025 data

Electricity rates: Ofgem price cap, Q4 2025

Installation costs: MCS certified installer data, March 2025

Property data: EPC open data (Open Government Licence), aggregated

All estimates are typical values. Actual results vary based on your specific situation, roof characteristics, and usage patterns.

Compare nearby areas

Nearby in South Wales

SA37 (Pembrokeshire)
≈8.6 km away
Local sunshine: ~950 kWh/kWp · -3% vs SA43
SA41 (Pembrokeshire)
≈10.4 km away
Local sunshine: ~935 kWh/kWp · -4% vs SA43
SA38 (Carmarthenshire)
≈13.5 km away
Local sunshine: ~922 kWh/kWp · -6% vs SA43
SA35 (Pembrokeshire)
≈14.1 km away
Local sunshine: ~915 kWh/kWp · -6% vs SA43
SA36 (Pembrokeshire)
≈14.4 km away
Local sunshine: ~935 kWh/kWp · -4% vs SA43
SA42 (Pembrokeshire)
≈14.7 km away
Local sunshine: ~953 kWh/kWp · -2% vs SA43

Similar sunshine across the UK

FY8 (Fylde)
~977 kWh/kWp · -0% vs SA43
GL14 (Forest of Dean)
~977 kWh/kWp · +0% vs SA43
HU17 (East Riding of Yorkshire)
~976 kWh/kWp · -0% vs SA43