C PACE Savings Estimator
Enter project cost and projected energy savings to estimate the savings to investment ratio, payback, annual assessment, and preliminary state program fit.
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Use this estimate to prepare, or request a financing review when you are ready to share the property, requested proceeds, and timeline.
Estimate whether projected energy savings may support a C PACE project. Program availability, eligible measures, savings tests, assessment terms, and mortgage lender consent depend on the state and local jurisdiction.
Project and Savings
Assessment Assumptions
The payment estimate assumes level annual payments. Actual C PACE assessments, fees, payment frequency, capitalization, and closing costs vary by program and capital provider.
Savings to Investment Ratio
2.00x
Lifetime Energy Savings
$2,000,000.00
Simple Payback
10.0 years
Estimated Annual Assessment
$98,092.19
Annual Cash Flow After Assessment
$1,907.81
Preliminary Screen
Meets 1.00x benchmark
State Program Eligibility
Potential fit, subject to local program review
Alaska: Active in Anchorage
Anchorage currently operates Alaska's verified C PACER program. Other municipalities must establish a program before a property can qualify.
Review Anchorage C PACERReady to review a C PACE project?
Send your estimate to CapitalAx for a financing review based on the property, improvements, projected savings, and local program.
How the C PACE Savings Estimator Works
Enter the eligible project cost, projected annual energy savings, and expected useful life of the improvements. The estimator compares lifetime savings with project cost, calculates simple payback, and estimates a level annual C PACE assessment from the entered rate and term.
Understanding the Savings to Investment Ratio
A ratio of 1.00x means projected lifetime energy savings equal the entered project cost. A result above 1.00x means projected savings exceed project cost before considering escalation, degradation, maintenance changes, financing fees, taxes, incentives, or the time value of money. Individual programs may define eligible costs, savings, and required tests differently.
State and Local Eligibility Still Matters
C PACE availability cannot be determined from state enabling legislation alone. The property generally must be in an active participating jurisdiction, the improvements must qualify under the applicable program, and existing mortgage lender consent is commonly required. The estimator displays verified program information for CapitalAx markets but does not issue an eligibility decision.
C PACE Savings Worked Example
A $1,000,000 eligible project expected to save $100,000 annually for 20 years produces $2,000,000 of simple lifetime savings and a 2.00x savings to investment ratio. At a 7.5 percent assessment rate over 20 years, the estimated level annual assessment is about $98,092, leaving about $1,908 of first year savings before other project effects.
Choosing Inputs and Reading the Screen
Use eligible project costs and savings estimates prepared for the proposed measures, not the full property budget. Useful life should reflect the measure documentation and applicable program rules. A ratio above 1.00x is only a preliminary screen because programs may use present value, escalation, degradation, engineering review, or different savings tests.