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Big Roof Britain Solar Payback Index Standing Charge Drag

Solar Panels in SA44 (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
13.6 years
After this, it's pure profit
Upfront Cost
£12,207
What you pay to get started
Annual Benefit
£897
What you save every year
Profit Over 25 Years
£10,211
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 893 kWh/kW — 75 below 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 893 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)
893 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: £747, Upfront: £10,173, Break-even: 13.6 yrs
System Annual output Self-use Exported Bill saving Export income Annual benefit Upfront cost Break-even 20-year net
2 kW 1786 kWh 715 kWh 1072 kWh £192 £107 £299 £4,069 13.6 yrs £1,909
3 kW 2680 kWh 1072 kWh 1608 kWh £288 £161 £448 £6,104 13.6 yrs £2,864
4 kW 3573 kWh 1429 kWh 2144 kWh £383 £214 £598 £8,138 13.6 yrs £3,819
5 kW 4466 kWh 1786 kWh 2680 kWh £479 £268 £747 £10,173 13.6 yrs £4,773
6 kW 5359 kWh 2144 kWh 3216 kWh £575 £322 £897 £12,207 13.6 yrs £5,728
7 kW 6253 kWh 2501 kWh 3752 kWh £671 £375 £1,046 £14,242 13.6 yrs £6,682
8 kW 7146 kWh 2858 kWh 4288 kWh £767 £429 £1,196 £16,276 13.6 yrs £7,637

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: £898, Upfront: £12,273, Break-even: 13.7 yrs
System Annual output Self-use Exported Bill saving Export income Annual benefit Upfront cost Break-even 20-year net
2 kW 1786 kWh 1072 kWh 715 kWh £288 £71 £359 £6,169 17.2 yrs £1,012
3 kW 2680 kWh 1608 kWh 1072 kWh £431 £107 £539 £8,204 15.2 yrs £2,568
4 kW 3573 kWh 2144 kWh 1429 kWh £575 £143 £718 £10,238 14.3 yrs £4,124
5 kW 4466 kWh 2680 kWh 1786 kWh £719 £179 £898 £12,273 13.7 yrs £5,680
6 kW 5359 kWh 3216 kWh 2144 kWh £863 £214 £1,077 £14,307 13.3 yrs £7,236
7 kW 6253 kWh 3752 kWh 2501 kWh £1,007 £250 £1,257 £16,342 13.0 yrs £8,792
8 kW 7146 kWh 4288 kWh 2858 kWh £1,150 £286 £1,436 £18,376 12.8 yrs £10,348

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: £973, Upfront: £13,673, Break-even: 14.1 yrs
System Annual output Self-use Exported Bill saving Export income Annual benefit Upfront cost Break-even 20-year net
2 kW 1786 kWh 1251 kWh 536 kWh £336 £54 £389 £7,569 19.5 yrs £213
3 kW 2680 kWh 1876 kWh 804 kWh £503 £80 £584 £9,604 16.5 yrs £2,070
4 kW 3573 kWh 2501 kWh 1072 kWh £671 £107 £778 £11,638 15.0 yrs £3,926
5 kW 4466 kWh 3126 kWh 1340 kWh £839 £134 £973 £13,673 14.1 yrs £5,783
6 kW 5359 kWh 3752 kWh 1608 kWh £1,007 £161 £1,167 £15,707 13.5 yrs £7,640
7 kW 6253 kWh 4377 kWh 1876 kWh £1,174 £188 £1,362 £17,742 13.0 yrs £9,496
8 kW 7146 kWh 5002 kWh 2144 kWh £1,342 £214 £1,556 £19,776 12.7 yrs £11,353

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: £995, Upfront: £15,423, 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 1786 kWh 1304 kWh 482 kWh £350 £48 £398 £9,319 23.4 yrs £-1,356
3 kW 2680 kWh 1956 kWh 724 kWh £525 £72 £597 £11,354 19.0 yrs £590
4 kW 3573 kWh 2608 kWh 965 kWh £700 £96 £796 £13,388 16.8 yrs £2,537
5 kW 4466 kWh 3260 kWh 1206 kWh £875 £121 £995 £15,423 15.5 yrs £4,484
6 kW 5359 kWh 3912 kWh 1447 kWh £1,050 £145 £1,194 £17,457 14.6 yrs £6,431
7 kW 6253 kWh 4564 kWh 1688 kWh £1,225 £169 £1,393 £19,492 14.0 yrs £8,378
8 kW 7146 kWh 5217 kWh 1929 kWh £1,400 £193 £1,593 £21,526 13.5 yrs £10,325

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: £1,010, Upfront: £17,173, Break-even: 17.0 yrs
System Annual output Self-use Exported Bill saving Export income Annual benefit Upfront cost Break-even 20-year net
2 kW 1786 kWh 1340 kWh 447 kWh £359 £45 £404 £11,069 27.4 yrs £-2,986
3 kW 2680 kWh 2010 kWh 670 kWh £539 £67 £606 £13,104 21.6 yrs £-979
4 kW 3573 kWh 2680 kWh 893 kWh £719 £89 £808 £15,138 18.7 yrs £1,028
5 kW 4466 kWh 3350 kWh 1117 kWh £899 £112 £1,010 £17,173 17.0 yrs £3,035
6 kW 5359 kWh 4020 kWh 1340 kWh £1,078 £134 £1,212 £19,207 15.8 yrs £5,042
7 kW 6253 kWh 4690 kWh 1563 kWh £1,258 £156 £1,415 £21,242 15.0 yrs £7,049
8 kW 7146 kWh 5359 kWh 1786 kWh £1,438 £179 £1,617 £23,276 14.4 yrs £9,056

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: £1,025, Upfront: £19,623, Break-even: 19.1 yrs
System Annual output Self-use Exported Bill saving Export income Annual benefit Upfront cost Break-even 20-year net
2 kW 1786 kWh 1376 kWh 411 kWh £369 £41 £410 £13,519 33.0 yrs £-5,316
3 kW 2680 kWh 2063 kWh 616 kWh £554 £62 £615 £15,554 25.3 yrs £-3,249
4 kW 3573 kWh 2751 kWh 822 kWh £738 £82 £820 £17,588 21.4 yrs £-1,182
5 kW 4466 kWh 3439 kWh 1027 kWh £923 £103 £1,025 £19,623 19.1 yrs £885
6 kW 5359 kWh 4127 kWh 1233 kWh £1,107 £123 £1,230 £21,657 17.6 yrs £2,953
7 kW 6253 kWh 4815 kWh 1438 kWh £1,292 £144 £1,436 £23,692 16.5 yrs £5,020
8 kW 7146 kWh 5502 kWh 1644 kWh £1,476 £164 £1,641 £25,726 15.7 yrs £7,087

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 SA44

Figures below are tailored to SA44 — click through for full league tables.

Big-Roof Britain Rank #27 of 2182
7.4 kWp (UK avg 5.1 kWp)
~16 panels (≈430 W)
Solar Payback Index Rank #2154 of 2997
11.8 years (UK avg 11.3 years)
~£1,032 /yr • £12,207 upfront
Standing-Charge Drag Rank #1090 of 2997
18.3% (UK avg 21.7%) drag on savings
£189 fixed • ~£1,032 /yr value

Your Area at a Glance

Your Electricity Rate
26.83p/kWh
Daily Fixed Charge
51.69p/day
Local Sunshine
893kWh/kW
A 1 kW system generates ~893 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: 64% • Flats: 4% • Bungalows: 32% Based on 3,954 properties

Coverage

Ceredigion (80%)|Carmarthenshire (20%)

Areas Covered

Llandysul North and Troedyraur, Cenarth and Llangeler, Llandysilio and Llangrannog, Llandysul South, Penbryn, Llandyfriog, New Quay and Llanllwchaearn, Llanfihangel-ar-Arth + 4 more

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

SA38 (Carmarthenshire)
≈8.0 km away
Local sunshine: ~922 kWh/kWp · +3% vs SA44
SA39 (Carmarthenshire)
≈9.3 km away
Local sunshine: ~888 kWh/kWp · -1% vs SA44
SA40 (Carmarthenshire)
≈13.8 km away
Local sunshine: ~886 kWh/kWp · -1% vs SA44
SA47 (Ceredigion)
≈14.4 km away
Local sunshine: ~921 kWh/kWp · +3% vs SA44
SA45 (Ceredigion)
≈15.8 km away
Local sunshine: ~909 kWh/kWp · +2% vs SA44
SA37 (Pembrokeshire)
≈16.7 km away
Local sunshine: ~950 kWh/kWp · +6% vs SA44

Similar sunshine across the UK

PR4 (Fylde)
~893 kWh/kWp · +0% vs SA44
AB14 (Aberdeen City)
~893 kWh/kWp · +0% vs SA44
CA25 (Cumberland)
~893 kWh/kWp · -0% vs SA44