Solar roof vs TSLA stock

Discussion in 'Fred's House of Pancakes' started by bwilson4web, Jan 16, 2026 at 3:22 AM.

  1. bwilson4web

    bwilson4web BMW i3 and Model 3

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    I have a solar roof that cost the last of my TSLA stock, ~$65,000:
    • TSLA stock
      • $0 dividends
      • 30% capital gains or $65,000 * 30% = -$19,500 tax on sale
    • Solar roof
      • 14.1 kWh / day, January 2025
        • winter case: 14.1 * $0.12 = $1.69 day tax free
        • $1.69 * 365 = $616.85/year, tax free
      • Tax credit 30%: $65000 * 30% = $19,500.00 credit on purchase
    Moving my TSLA stock into a solar roof while the tax credit existed is projected to save nearly $620 per year in untaxed, cost avoidance. A no dividend stock has become a cost saving, tax-free success.

    To take home $620 per year, I would have to earn at least 14% more, average tax rate, to pay the taxes:
    • $620 * 114% = $706.80 income earned

    Bob Wilson
     
    #1 bwilson4web, Jan 16, 2026 at 3:22 AM
    Last edited: Jan 16, 2026 at 3:36 AM
  2. ETC(SS)

    ETC(SS) The OTHER One Percenter.....

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    Tax credit......
    Proof positive that solar still has a 'promising future' - otherwise?

    It would be a tax BURDEN.
     
  3. bwilson4web

    bwilson4web BMW i3 and Model 3

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    Carpe diem.

    Bob Wilson
     
  4. ETC(SS)

    ETC(SS) The OTHER One Percenter.....

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    I'm still a working stiff, and only a partial burden to society as a military retiree.

    'Per Diem' is what I'm concentrating on...... ;)
     
  5. futurist

    futurist Member

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    I disagree on the 'burden to society' part. Let any of these flabby sociopath hypocrites naysaying VA bennies, go thru boot camp in any of the services, as that's what they'd have to do (or their sons / daughters) if you or I didn't go in their place. Least they can do is look after our health problems in geezer years -- as that's the only 'burden' I'm declaring ;)

    And you as a retiree: this non-retiree envies you the ability to fly MAC anywhere those C5s and C17s go. Bit of a wait sometimes... but free airfare's a pretty good deal for us mils and exes.

    When I flew RMS --> DOV on leave one summer... could get a little box lunch for your flight for $10. Bottle of water (remember when you could do that on all flights?) and were set for the 9-hrs atop the tail in a webbing seat, able to see the cargo floor thru a grate, ~20 ft below :p
     
  6. notspam3

    notspam3 Member

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    If you move to Ontario Canada the square footage of your solar system gets added to the square footage of your home for tax assessment purposes. How's that for incentive?
     
    bisco likes this.
  7. Hayslayer

    Hayslayer Active Member

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    That same 65k stock today would be worth well over 105k. Is that accounted for in your analysis? That's about 30k a year......
     
  8. bisco

    bisco cookie crumbler

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    We have $45,000. In a solar T bill returning 4% per annum less 25% tax = $1,350.
    But we’re still paying our electric bill
     
  9. ChapmanF

    ChapmanF Senior Member

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    I'm having some trouble following that, feel like a step might be missing.

    Did you mean you had capital gains of 30% (as in your invested basis was around $217k and you realized $282k at the time of sale)?

    In which case, that $65k of cap gain, assuming it was all held more than a year, would have all fallen in the 0% federal cap gains bracket if you filed as married filing jointly. If individual, or married filing separately, the last $16,650 of it would have been in the 15% bracket, incurring $2,497.50 of tax. Filed as head-of-household, just the last $250 of the $65k would have poked into the 15% bracket, incurring $37.50 in tax.

    Those are just federal numbers (the 2025 ones), as I'm not well-versed in your state or local income tax rates, if any.

    Or were you saying your total tax rate (federal+state+local) on the cap gain came to 30%, and the tax was $65k, meaning the cap gain was $217k?
     
  10. bwilson4web

    bwilson4web BMW i3 and Model 3

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    I had to pay 30% capital gains tax on the sale of $65,000 TSLA stock. The $65k was the stock sale income.

    Bob Wilson