Heat pump payback period calculator
A heat pump is a significant investment. This calculator gives homes currently heated with Dutch natural gas an indication of annual savings, payback time, CO₂ reduction and potential ISDE subsidy.
Model for homes in the Netherlands using natural gas. Check your own energy contract, quotation and RVO meldcode before deciding.
House type
Construction period
Your indicative calculation
indicative rangeTerugverdientijd visueel
⚠ All results are indicative and based on public reference scenarios, not on a technical inspection or quotation for your home.
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Find installers near meHow this calculator works
The tool scales Milieu Centraal's public reference homes to your gas use. The hybrid scenario changes from 1,360 to 680 m³ of gas and from 310 to 1,925 kWh of electricity; the all-electric scenario changes from 950 m³ of gas plus 250 kWh to 3,400 kWh of electricity. The range is 20% around the result. Default long-term prices are €1.37 per m³ of gas and €0.21 per kWh; you can enter your own rates.
Please note — indicative calculation
This linear calculation is intended only for homes currently heated with Dutch natural gas. Actual results depend on insulation, heat emitters, hot water, occupant behaviour, the product, capacity and the quotation. Obtain a heat-loss calculation before buying and verify the exact ISDE amount using the product's meldcode.
Sources and model date
Reference costs, energy use and subsidies link directly to Dutch sources. RVO determines the actual subsidy for each product and meldcode.
- Milieu Centraal — hybrid heat-pump costs and energy use
- Milieu Centraal — all-electric heat-pump costs and energy use
- RVO — ISDE conditions and heat-pump meldcodes
- CO₂ emission factors — Dutch 2026 factors
Model reviewed: 30 July 2026. Energy prices and subsidies can change.
Check the investment and subsidy
Use the result as a starting point. Then review the evidence-based Dutch price examples and current ISDE conditions before comparing quotations.