PayGo plan inputs

Enter the load you really need to run, then compare the payment plan against your current energy spend.

Country

Local currency

Solar kit usable energy per day Use the provider quote after battery losses, not just panel watts.

Critical load target Percent of your appliance load that must be covered daily.

Appliance load and daily usage

Lights Watts each Quantity Hours/day

TV or radio Watts each Quantity Hours/day

Phones and small devices Watts each Quantity Hours/day

Fan Watts each Quantity Hours/day

Fridge, POS, or router Watts each Quantity Hours/day

Other load Watts each Quantity Hours/day

Payment plan and current spend

Kit deposit

Repayment amount

Repayment frequency

Term length in months

Current generator or grid spend per month Fuel, charging, grid units, candles, battery rental, and phone charging.

Current spend the kit will replace Percent of current energy spend tied to loads this quoted kit will actually replace. Confirm from bills, receipts, and the load test.

Maintenance buffer percent Add for battery care, bulbs, wiring, callouts, theft protection, and payment fees.

Keep coverage and savings separate. Energy coverage tests whether the kit can serve the entered load. Spend displacement records how much generator, grid, charging, candle, or battery-rental cost the kit will truly remove.

PayGo decision output

PayGo plan total-Deposit plus repayments and maintenance buffer

Combined monthly energy cost-PayGo plus residual current spend

Energy coverage-Usable kit energy vs daily load

Daily load-Appliance energy needed

Savings over term-Displaced spend minus PayGo plan total

Deposit cash-flow recovery-Deposit divided by monthly cash-flow saving

Decision lane	Method	Result
Appliance load	Watts x quantity x hours per day	-
Repayment model	Repayment frequency converted to monthly cost	-
Maintenance buffer	Monthly repayment x buffer percent	-
Total plan cost	Deposit plus term repayments plus maintenance buffer	-
Current energy baseline	Current monthly spend x term months	-
Spend displaced	Current spend x verified replacement percent	-
Residual energy spend	Current spend not replaced x term months	-

Run a calculation to see the affordability recommendation.

Risk flags

Decision checklist

Sources & freshness

Last reviewed: 14 July 2026. The calculator uses user-entered provider prices, appliance labels, and household or business spend, not a live PayGo tariff feed.

Source note: Treat the provider quote, appliance nameplates, warranty booklet, utility bill, generator fuel receipts, and mobile-money payment history as the source documents for the final decision.

Before signing, verify the quote with the solar provider contract, appliance watt labels, battery usable capacity, warranty terms, repossession rules, payment fees, and your latest generator, grid, or charging receipts.

Methodology

Daily load equals each appliance wattage multiplied by quantity and daily usage hours.
PayGo repayments are normalized to monthly cost using daily, weekly, or monthly frequency.
Total paid equals deposit plus all repayments over the term plus the maintenance buffer.
Coverage compares usable daily kit energy with the daily load and your critical-load target.
Spend displacement is entered separately because energy coverage does not prove every current energy cost disappears.
Term savings compare PayGo cost plus residual current energy spend with the full current baseline over the same term.
Deposit recovery divides the deposit by positive monthly cash-flow savings during repayment; it is unavailable when the combined monthly cost does not fall.

Disclaimer

This is an estimate only. It does not replace a licensed solar installer, electrician, lender disclosure, consumer-protection advice, or the final PayGo contract. Confirm taxes, fees, warranty, penalties, and ownership transfer terms locally.

For solar providers, NGOs, and energy publishers

Need this calculator as a branded widget, sponsored PayGo decision tool, lead-capture flow, or API-backed affordability model? AfroTools can adapt it for your country, product catalog, and repayment rules.

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PayGo plan inputs

PayGo decision output

Risk flags

Decision checklist

Related energy tools

Country PayGo solar pages

For solar providers, NGOs, and energy publishers