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I just looked at $/kWh fully financed (zero down) for 20 years. It actually was slightly cheaper until I added in an extra $20/month to insure it. I quit using the break-even method because panels have fixed time guarantees and warranties, plus finance has a fixed term. So that gives you a fixed total cost, cost per kWh, and cost per month. This is apples to apples for electric service.