{
  "provider": {
    "name": "CalculateEnergySavings.com",
    "source_url": "https://calculateenergysavings.com/",
    "terms_url": "https://calculateenergysavings.com/api-terms/",
    "terms_version": "2026-08-25"
  },
  "id": "on-bill-financing",
  "name": "On-Bill Financing Cash Flow Calculator",
  "description": "Screen bill neutrality for utility or tariff-based project repayment.",
  "status": "published",
  "callable": true,
  "version": "1.0.0",
  "url": "https://calculateenergysavings.com/calculators/on-bill-financing/",
  "methodology_url": "https://calculateenergysavings.com/calculators/on-bill-financing/#methodology",
  "api_url": "https://calculateenergysavings.com/api/v1/calculators/on-bill-financing",
  "calculate_url": "https://calculateenergysavings.com/api/v1/calculators/on-bill-financing/calculate",
  "input_schema": {
    "type": "object",
    "additionalProperties": false,
    "properties": {
      "projectCost": {
        "type": "number",
        "title": "Project cost",
        "x-unit": "$"
      },
      "incentiveAmount": {
        "type": "number",
        "default": 0,
        "title": "Incentive",
        "x-unit": "$"
      },
      "annualSavings": {
        "type": "number",
        "title": "Estimated annual savings",
        "x-unit": "$/year"
      },
      "ratePercent": {
        "type": "number",
        "default": 0,
        "title": "Program interest rate",
        "x-unit": "%"
      },
      "termYears": {
        "type": "number",
        "default": 10,
        "title": "Repayment term",
        "x-unit": "years"
      },
      "programFee": {
        "type": "number",
        "default": 0,
        "title": "Upfront/program fee",
        "x-unit": "$"
      },
      "savingsRealizationPercent": {
        "type": "number",
        "default": 80,
        "title": "Savings realization",
        "x-unit": "%"
      }
    }
  },
  "example_inputs": {
    "projectCost": "",
    "incentiveAmount": 0,
    "annualSavings": "",
    "ratePercent": 0,
    "termYears": 10,
    "programFee": 0,
    "savingsRealizationPercent": 80
  },
  "source_url": "https://betterbuildingssolutioncenter.energy.gov/financing-navigator/option/bill-financingrepayment",
  "formulas": [
    "Repayment is calculated on net cost plus entered program fee.",
    "Bill neutrality compares realized savings with annual repayment."
  ],
  "disclaimer": "Screening estimate only. Verify measurements, assumptions, tariffs, equipment constraints, and applicable requirements before making a project or purchasing decision."
}