Estimated PV payback with accelerated loan payback.  Savings from new meter not included.
			California Income Tax Rate		Assumed Federal Tax Rate
			9.30%		25%
Year	Regular Mortgage Payments	Interest Paid	CA tax mortgage deduction	Interest - CA deduction -15% CA tax credit	Federal Tax Deduction	Net Cost of Loan	PV Savings	Cash Flow PV	End of Year Mortgage Principal
1	$3,758.27	$3,062.85	$ 284.85	$ 2,778.00	$    694.50	$2,778.92	$2,009.73	($769.19)	$43,007.77
2	$3,006.61	$2,458.66	$ 228.66	$(5,298.00)	$(1,324.50)	$4,102.46	$1,827.80	($2,274.65)	$44,734.47
3	$2,881.73	$2,221.73	$ 206.62	$ 2,015.11	$    503.78	$2,171.33	$2,675.01	$503.67	$43,570.80
4	$2,881.73	$2,162.18	$ 201.08	$ 1,961.10	$    490.27	$2,190.37	$3,761.58	$1,571.21	$41,280.04
5	$2,881.73	$2,045.01	$ 190.19	$ 1,854.82	$    463.71	$2,227.84	$3,761.58	$1,533.74	$38,909.58
6	$2,881.73	$1,923.70	$ 178.90	$ 1,744.80	$    436.20	$2,266.63	$3,761.58	$1,494.95	$36,456.60
7	$2,881.73	$1,798.22	$ 167.23	$ 1,630.99	$    407.75	$2,306.75	$3,761.58	$1,454.83	$33,918.25
8	$2,881.73	$1,668.36	$ 155.16	$ 1,513.20	$    378.30	$2,348.27	$3,761.58	$1,413.31	$31,291.58
9	$2,881.73	$1,533.96	$ 142.66	$ 1,391.30	$    347.83	$2,391.25	$3,761.58	$1,370.33	$28,573.47
10	$2,881.73	$1,394.92	$ 129.73	$ 1,265.19	$    316.30	$2,435.71	$3,761.58	$1,325.87	$25,760.78
11	$2,881.73	$1,251.00	$ 116.34	$ 1,134.66	$    283.66	$2,481.72	$3,761.58	$1,279.86	$22,850.20
12	$2,881.73	$1,102.11	$ 102.50	$    999.61	$    249.90	$2,529.33	$3,761.58	$1,232.25	$19,838.33
13	$2,881.73	$   947.98	$   88.16	$    859.82	$    214.95	$2,578.62	$3,761.58	$1,182.97	$16,721.61
14	$2,881.73	$   788.54	$   73.33	$    715.21	$    178.80	$2,629.60	$3,761.58	$1,131.98	$13,496.43
15	$2,881.73	$   623.54	$   57.99	$    565.55	$    141.39	$2,682.35	$3,761.58	$1,079.23	$10,159.02
16	$2,881.73	$   452.80	$   42.11	$    410.69	$    102.67	$2,736.95	$3,761.58	$1,024.63	$  6,705.45
17	$2,881.73	$   276.11	$   25.68	$    250.43	$      62.61	$2,793.45	$3,761.58	$968.13	$  3,131.70
18	$2,881.73	$     93.26	$    8.67	$      84.59	$      21.15	$2,851.91	$3,761.58	$909.67	Paid Off
19+							$3,761.58	$3,761.58
Assumptions about mortgage amount and interest rates are detailed in the Mortgage tab.
	In this analysis, the cash flow from the PV and meter is used at the end of the year to pay down the mortgage faster.
	Or in case of negative cash flow, added to the loan as if on a HELOC with the same interest rate as the main loan.
	In reality, the interest rate on our HELOC was lower than that of the main loan.
Numbers in blue represent assumption that future year savings will be same as current year savings.
Negative cash flow in the first year is caused by installation time, i.e. the couple of months after we got the loan but before the PV was online.
	Not being on the Time-of-Use billing schedule yet also had a negative effect.
Negative cash flow in the second year is caused by my not recognizing for a few months that one of our three inverters had stopped working.