Home System Cost Calculators — HVAC & Electrical

HVAC and electrical panel are the two upgrades that every other upgrade depends on — the heat pump needs the panel, the panel needs headroom before the EV charger, and both fail on the worst possible day. The HVAC calculator prices four system types separately ($2,500–6,500 furnace-only up to $4,500–12,000 heat pump and full-system), applies the SEER factor (16 is ×1.15 over the 14 minimum, 20+ is ×1.5) and the tonnage factor, and adds the ductwork branch (+$2,000) as a toggle rather than a surprise. The panel calculator prices 100A/200A/400A upgrades ($800–4,500) with sub panel (+40%) and whole-house rewiring (+60%) options — and the guide explains when a $400–600 load-management device replaces the whole upgrade. Both tools give you the honest range before the emergency quote arrives, which matters because July breakdown pricing runs 10–20% over off-season installs. If your system is still working, read the HVAC timing guide first: the 50% rule (repair × age over $5,000 → replace) and the R-22 refrigerant death sentence tell you when to replace on your schedule instead of the system's.