Interactive calculator
Heat pump vs furnace — with your numbers
Enter your rates and an estimated heating load. We'll compare annual heating costs, show the break-even gas price, and (optionally) model dual-fuel.
Sofia NguyenReviewed by Marcus Delaney
Use your local rates
Electric and gas prices swing wildly by state and utility. Your rates change the answer more than internet averages.
Climate-adjusted COP
Cold climates mean lower seasonal COP. We default to conservative ranges and let you override assumptions.
Model dual-fuel
If you want a furnace backup, set a heat-pump share and see how hybrid operation affects costs and payback.