RATIOXA ENERGY · Decision tool
Heat pump or gas?
Compare discounted investment, energy and maintenance costs for your heat demand.
13 inputsDetailed comparisonSaved locally on this device.
DECISION PACK
Heat pump or gas?
Created: 18/08/2026 · heat-pump-vs-gas@5.0
Important: Actual yield and consumption may differ from the assumptions.
Result · Why?
Gas system leads by €3,207
The higher upfront investment must be recovered through efficiency and operating cost.
Difference€3,207
Gas system
Break-even
COP crossover
At this seasonal COP both systems have the same present-value cost.
Result robustness
Sensitive result
A realistic change to one important assumption may reverse or materially narrow this result.
- Gas efficiencyApprox. change in result: €3,848
- Gas priceApprox. change in result: €3,463
- Seasonal COPApprox. change in result: €2,840
Development
Heat pump / Gas system
Text summary of the chart
| Development | Heat pump | Gas system |
|---|---|---|
| 0 | €28,000 | €13,000 |
| 1 | €29,739 | €15,473 |
| 2 | €31,440 | €17,891 |
| 3 | €33,104 | €20,255 |
| 4 | €34,733 | €22,566 |
| 5 | €36,327 | €24,826 |
| 6 | €37,887 | €27,036 |
| 7 | €39,413 | €29,197 |
| 8 | €40,907 | €31,310 |
| 9 | €42,369 | €33,377 |
| 10 | €43,800 | €35,399 |
| 11 | €45,200 | €37,376 |
| 12 | €46,571 | €39,309 |
| 13 | €47,913 | €41,201 |
| 14 | €49,227 | €43,051 |
| 15 | €50,512 | €44,861 |
| 16 | €51,771 | €46,632 |
| 17 | €53,003 | €48,364 |
| 18 | €54,210 | €50,059 |
| 19 | €55,391 | €51,717 |
| 20 | €56,547 | €53,340 |
RATIOXA STORY
Your Decision Story
- 1
Heat pump: €56,547
- 2
Gas system: €53,340
- 3
Gas system leads in the base case.
Calculation Health
Quick estimate
Add more of your own values to strengthen the scenario.
- + Heat-pump investment
- + Gas-system investment
- + Annual useful heat demand
RATIOXA IMPACT MAP
What matters most?
Gas efficiency€3,848
Gas price€3,463
Seasonal COP€2,840
Heat-pump investment€2,800
Heat-pump electricity€2,556
Gas-system investment€1,300
Higher impact →Key insight
Your decision is most vulnerable to changes in Gas efficiency.
The higher upfront investment must be recovered through efficiency and operating cost.
SCENARIO RANGE · DETERMINISTIC
Stress-test this decision
TIME HORIZON
How the decision changes over time
Period 0Gas system€15,000
Gas system is stronger at period 0.
RATIOXA ×
COP crossover
At this seasonal COP both systems have the same present-value cost.
Crossover3.89
Compare everything
Heat pumpGas system
Result value€56,547€53,340
Difference—€3,207
Investment€28,000€13,000
Energy + maintenance€42,990€60,692
RATIOXA FLOW
Next useful steps
SCENARIO RANGE
Conservative · Base · Optimistic
Locked assumptions
TRUST CHECK
Fair Comparison Check
- ✓Same comparison horizon
- ✓Comparable cash flows
- ✓Residual values and balances included
- ✓Inputs are internally consistent
Not included in the model
- Contract terms, eligibility and taxes outside the entered values
- Personal risk tolerance and liquidity needs
- Professional legal, tax, finance or energy advice
Assumption freshness
Decision readiness
0/13 inputs replaced with your own or transferred values · 4 real-world details still worth checking
- ○ Have both alternatives been compared over the same period?
- ○ Are all one-off costs and fees confirmed?
- ○ Are resale value, remaining debt and end assets documented?
- ○ Have you tested a cautious range for uncertain assumptions?
TRANSPARENT MATH
Formula inspector
Calculation steps
- Heat demand is converted to purchased energy via COP or gas efficiency.
- Annual costs are escalated by price changes and discounted to today.
Substitution with your values
Sum of displayed components A = 28000.00 + 42989.94 = 70989.94Sum of displayed components B = 13000.00 + 60692.17 = 73692.17Total: 56547.20 / 53339.97SOURCE SNAPSHOT
Official reference context
Context only. RATIOXA never substitutes a policy rate or survey result for your personal offer.
KfW Bankengruppe · GermanyKfW basic heating subsidy: 30 %Effective 2026-07-21 · Verified 2026-08-17
Caution: Eligibility, cost basis and caps must be checked for the individual case.
Primary source ↗KfW Bankengruppe · GermanyClimate-speed bonus: 16 %Effective 2026-07-21 · Verified 2026-08-17
Caution: Only where eligibility conditions are met and not automatically cumulative.
Primary source ↗CURRENT CONTEXT
Relevant developments
A sourced update may affect one of your assumptions. RATIOXA never changes a value silently.
ENERGY
KfW heating-subsidy conditions changed on 21 July 2026
An outdated subsidy assumption can materially change heat-pump economics.
May affect: Subsidy amount · Heat-pump investmentImportant: Actual yield and consumption may differ from the assumptions.
WHAT-IF
Snapshot current scenario
IMPORTANT DOCUMENTS
Prepare the decision
● Saved locallyQUESTIONS TO ASK
Ask before you sign
- Which performance is guaranteed?
- Which maintenance and extra costs apply?
- Which assumptions does the economics calculation use?
EXTERNAL OFFERS · SEPARATE FROM THE CALCULATION
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