Air-to-water heat pump savings calculator
Compare heat pumps and estimate heating costs based on your home’s current consumption. View your estimate without providing contact details.
Models matching your consumption are ordered by annual heating savings, highest first. Payback excludes financing and tax credits. Suitability is confirmed in a survey.
Preliminary recommendation
€17.610,00 EUR with standard installation
Product details: Mitsubishi Electric Ecodan E Series 11 kW air-to-water heat pumpPreliminary recommendation
€15.330,00 EUR with standard installation
Product details: Mitsubishi Electric Ecodan E Series 9.5 kW air-to-water heat pumpPreliminary recommendation
€14.160,00 EUR with standard installation
Product details: Mitsubishi Electric Ecodan E Series 8 kW air-to-water heat pumpPreliminary recommendation
€12.760,00 EUR with standard installation
Product details: Panasonic 9kW K Series All in One T-CAP air-to-water heat pumpPreliminary recommendation
€13.110,00 EUR with standard installation
Product details: Panasonic 12kW K Series All in One T-CAP air-to-water heat pumpPreliminary recommendation
€9.860,00 EUR with standard installation
Product details: Panasonic K Series 9kW T-CAP Split air-to-water heat pumpPreliminary recommendation
€11.820,00 EUR with standard installation
Product details: Panasonic K Series 12kW T-CAP Split air-to-water heat pumpPreliminary recommendation
€14.110,00 EUR with standard installation
Product details: Panasonic Aquarea M Series AIO T-CAP 9kW air-to-water heat pumpPreliminary recommendation
€14.570,00 EUR with standard installation
Product details: Panasonic Aquarea M Series AIO T-CAP 12kW air-to-water heat pumpPreliminary recommendation
€11.260,00 EUR with standard installation
Product details: Panasonic Aquarea M Series Control Box T-CAP 9kW air-to-water heat pumpPreliminary recommendation
€15.420,00 EUR with standard installation
Product details: Panasonic Aquarea M Series AIO T-CAP 16kW air-to-water heat pumpPreliminary recommendation
€11.730,00 EUR with standard installation
Product details: Panasonic Aquarea M Series Control Box T-CAP 12kW air-to-water heat pumpPreliminary recommendation
€12.580,00 EUR with standard installation
Product details: Panasonic Aquarea M Series Control Box T-CAP 16kW air-to-water heat pumpPreliminary recommendation
€11.700,00 EUR with standard installation
Product details: Panasonic Aquarea M Series with controller T-CAP 16kW air-to-water heat pumpPreliminary recommendation
€10.860,00 EUR with standard installation
Product details: Panasonic Aquarea M Series with controller T-CAP 12kW air-to-water heat pumpPreliminary recommendation
€10.390,00 EUR with standard installation
Product details: Panasonic Aquarea M Series with controller T-CAP 9kW air-to-water heat pumpPreliminary recommendation
€11.750,00 EUR with standard installation
Product details: Daikin Altherma 3R air-to-water heat pump – 6kWPreliminary recommendation
€12.050,00 EUR with standard installation
Product details: Daikin Altherma 3R air-to-water heat pump – 8kWPreliminary recommendation
€12.900,00 EUR with standard installation
Product details: Daikin Altherma 3R air-to-water heat pump – 11kWPreliminary recommendation
€13.600,00 EUR with standard installation
Product details: Daikin Altherma 3R air-to-water heat pump – 14 kWPreliminary recommendation
€13.800,00 EUR with standard installation
Product details: Daikin Altherma 3R air-to-water heat pump – 16 kWPreliminary recommendation
€11.850,00 EUR with standard installation
Product details: Daikin Altherma 3R MT air-to-water heat pump – 8kWPreliminary recommendation
€12.600,00 EUR with standard installation
Product details: Daikin Altherma 3R MT air-to-water heat pump – 10kWPreliminary recommendation
€13.495,00 EUR with standard installation
Product details: Daikin Altherma 3R MT air-to-water heat pump – 12 kWAn air-to-water heat pump needs a water-based heating system. Installing that system requires a separate assessment, so the heat pump’s installed price alone cannot determine payback. Request an assessment for your home.
We cannot automatically shortlist a suitable model from these inputs. An expert can help size your system.
Comparable savings estimates are not yet available for every model. You can also ask an expert for a recommendation.
Requires complete removal of oil heating. For work paid in 2026. Conditions in the calculation details.
Investment after tax credit:
per year
Heating savings are an annual average and vary by season. The tax credit does not reduce instalments.
OP instalment credit: variable OP-prime 2.50% + 6.95% margin (28 September 2026). Creditor: OP Corporate Bank plc; intermediary: Hesatek / Maxei Finland Oy.
Estimated annual percentage rate %. Credit amount , Credit term month. Nominal annual interest %, Monthly fee / month, Opening fee .
Instalments: × and a final instalment of . Interest and fees over the full term . Total payable .
OP instalment credit: variable OP-prime 2.50% + 6.95% margin (28 September 2026). Creditor: OP Corporate Bank plc; intermediary: Hesatek / Maxei Finland Oy.
The full price is financed over equal monthly periods, assuming unchanged variable interest and fees. The opening fee is added to the loan. No interest-free periods or payment holidays. OP confirms due dates and final credit terms. OP credit terms
Net savings
Outstanding loan:
Cash flow = heating savings − loan payments made. Selected tax credit is added at year 1. Investment payback also accounts for outstanding debt.
Choose a year using a bar or the slider.
Underfloor heating uses the model’s cold-climate SCOP at 35°C; radiators use 55°C. Hot water uses a performance factor of 2.5. Initial sizing assumes 2,400 equivalent full-load hours per year and an 80–160% capacity band. Energy prices are held constant in the calculation. Manufacturer specifications
Labour including VAT: × % − 150 € = . Annual limit per person .
Assumes one person has an unused allowance and enough tax to deduct from. Work must qualify, the contractor must be in the prepayment register, and no disqualifying public grant may cover the same work. New construction is excluded. The chart applies the selected credit at the end of year one; actual timing may differ. Claim the credit through taxation; the invoice remains unchanged. Check Finnish Tax Administration conditions
| Year | Net savings |
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An indicative estimate, not system sizing or a savings guarantee. Price includes standard installation. Additional work, tank suitability, maintenance and changing energy prices require a separate assessment. Tax credit is included only when selected.
The estimate includes a household tax credit of .
Your selected financing estimate is included with the quote request.
You are requesting expert help to choose a model.
Your inputs and any selected model will be sent to an expert. The quote request is non-binding.
