Solar PV vs. Stock Market Equity Calculator

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Initial Investment Cost (€)

The upfront cost of the PV system, or the alternative lump-sum amount put into stocks.

Annual PV Savings & Earnings (€)

Your annual electricity bill reduction plus any grid feed-in profit generated by the system.

Expected Stock Return (% / year)

Estimated long-term average.

⚠️ Markets are unpredictable. High historical yields do not guarantee future performance.

Investment Horizon (Years)

Income / Cashflow Scenario

Mode 1: High Salary (Surplus Cash) You afford your bill easily from your paycheck. The PV path frees up cash you can keep or invest. The pure stock path grows untouched.

Mode 2: Low Salary (No Surplus Cash) You cannot easily afford the bill. The stock path must be drained yearly to pay it. The PV path stops the bleeding but accumulates no extra cash.

Reinvest PV savings/earnings into stocks

Final PV Liquid Equity

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Final Stock Liquid Equity

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Liquid Equity Projection Over Time

📊 Simulate Real Market Volatility

Uses a mathematically sound bell-curve (Box-Muller, 15% Standard Deviation) to simulate natural economic expansion cycles, market drops, and returns.

Enable Volatility

Solar PV vs. Stock Market

1 Configuration

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Liquid Equity Projection Over Time

📊 Simulate Real Market Volatility

📈 Monte Carlo Analysis Results (500 Permutations)

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