ArrayBudgetPanels, batteries and inverters sized to the load you actually have.

System Sizing

Array size is daily consumption divided by peak sun hours, divided again by a derate factor — and the derate factor is where most estimates go wrong.

0.77 is the PVWatts default from NREL. It bundles soiling, heat, wiring losses, module mismatch and inverter efficiency. Size an array without it and you will be short by about a quarter, which shows up as a system that meets its numbers in April and misses them all winter.

Peak sun hours is an annual average, and December is not average

Winter output across most of the US runs 40 to 60% of the annual average. A grid-tied system sized to the average is fine, because the grid covers the difference. An off-grid system sized the same way runs out in January.

Roof area is not panel area

Panel area is what the arithmetic gives you. Add 15 to 25% for row spacing, fire setbacks and obstructions — and check that the roof plane faces within about 45° of south. A due-east array is not a due-south array with a small penalty; it is a meaningfully different system with a different production curve.

The inverter is deliberately smaller than the array

A DC-to-AC ratio around 1.2 is standard. Arrays reach their nameplate rating for only a few hours a year, so an inverter sized to peak DC output spends its life underloaded — expensive and less efficient. Some clipping at midday in June is the correct trade.

What array sizing does not size

Batteries, cable and the loads themselves. Each has its own way of going wrong that array sizing never reveals: a correctly sized array on undersized cable delivers a fraction of what it makes, and the meters all read normal while it happens.

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