Install solar panels. Reduce your electricity bill by up to 65%.
Generate your own energy, reduce grid dependency, and increase your energy independence. Free analysis, no commitment.Solar energy produced in Portugal since you opened this page0 kWhBased on 5.81 GW installed and an average capacity factor of 18% · DGEG 2024
100% free analysisNo supplier changeCertified UPAC partnersFinancing included
4.9/5 Google
Energy and Financial OptimizationWe combine tariff, photovoltaic panels, and solar battery to maximize your real savings.
Solution Tailored to Your RealityWe analyze your consumption, the necessary investment, and potential savings before any estimate.
Certified UPAC PartnersThe installation is carried out by specialized and certified companies, partners of CrediSegur.
Why solar energy
Saving starts with smart consumption
Portugal is one of the European countries with the highest photovoltaic potential, with about 2,200 to 3,100 hours of sunshine per year.01
Greater independence from the gridYou produce part of the energy you consume and reduce exposure to energy market fluctuations.
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Monthly savingsThe reduction in the electricity bill starts in the first month after installation and continues for more than 25 years.
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Energy day and nightWith a battery, the energy produced during the day is available for use at night or during peak hours.
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Property value increaseAn energy-efficient home is more attractive to buyers and has better energy certification.
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Medium-term returnThe savings generated allow you to recover the initial investment in 5 to 7 years, with a guaranteed 25-year lifespan.
Free solar simulator
Find out in 2 minutes how much you can save
Estimated simulation based on your real consumption data, your region, and your roof.Choose the right solution
There is no one-size-fits-all solution
There is the right solution for you, and we help you find it.| Optimized tariff | Photovoltaic panels | Panels and battery | |
|---|---|---|---|
| Investment | No cost | From 3,200 € | From 5,300 € |
| Estimated savings | Up to 20%* | Up to 40% | Up to 65% |
| Energy independence | Low | Medium | High |
| Return on investment | Immediate | 6 to 8 years | 5 to 7 years |
| Guaranteed lifespan | — | More than 25 years | More than 25 years |
| Solar self-consumption | — | Partial, during the day | Total, day and night |
| Tax incentives | — | IRS and IMI | IRS, IMI, and Efficiency Voucher |
| Ideal for | Consumption below 150 kWh/month | High daytime consumption | Maximum autonomy and savings |
Optimized tariff
InvestmentNo cost
Estimated savingsUp to 20%*
Energy independenceLow
Return on investmentImmediate
Guaranteed lifespan—
Solar self-consumption—
Tax incentives—
Ideal forConsumption below 150 kWh/month
Photovoltaic panels
InvestmentFrom 3,200 €
Estimated savingsUp to 40%
Energy independenceMedium
Return on investment6 to 8 years
Guaranteed lifespanMore than 25 years
Solar self-consumptionPartial, during the day
Tax incentivesIRS and IMI
Ideal forHigh daytime consumption
Panels and battery
InvestmentFrom 5,300 €
Estimated savingsUp to 65%
Energy independenceHigh
Return on investment5 to 7 years
Guaranteed lifespanMore than 25 years
Solar self-consumptionTotal, day and night
Tax incentivesIRS, IMI, and Efficiency Voucher
Ideal forMaximum autonomy and savings
Real example
An investment that pays for itself
House with an average consumption of 300 kWh per month and a bill of 120 € per month. 4 kWp system with solar battery.−78 €/monthestimated monthly savings on the electricity bill
7 yearsreturn on investment
+16,500 €accumulated savings over 25 years
+4 to 8%property appreciation
around 0 €estimated annual maintenance
Investment breakdown
Photovoltaic solar panels, 4 kWp4,400 €
Solar battery, 5 kWh2.500 €
Installation and UPAC licensingIncluded
Estimated gross total, with VAT at 23%6.900 €
Estimated support, IRS and Efficiency Voucher*−1.700 €
Estimated net cost5.200 €
With mortgage credit at 3.5%, 25 yearsMonthly payment of about 26 €/month, savings of about 78 €/monthPositive net balance of about 52 €/month from day one.
*Support subject to application, approval, and eligibility. All values include VAT at the standard rate of 23%.Support and incentives
Take advantage of available support — we check everything for you
250 €/yearIRS tax benefit15% deduction on expenses with photovoltaic solar panels, up to 250 € per year during the eligible period.
Up to 500 €/kWIMI reductionSome municipalities offer a reduction of up to 500 €/kW for three years for homes with certified solar installation.
Up to 85% of the costEfficiency Voucher, Environmental FundSupport for families in more vulnerable economic situations. In previous cases, it covered up to 85% of the value without VAT.
Credit for 25 yearsFinancing includedAs credit intermediaries, we present the best financing solutions — mortgage credit or green credit — aligned with the lifespan of the panels.
The reduced VAT rate of 6% for photovoltaic solar panels was in effect until June 30, 2025. From July 1, 2025, the standard rate of 23% applies, and this is included in all values on this page. CrediSegur monitors current legislation and informs you of any changes.
How it works
Simple, fast, and hassle-free
We handle everything, from energy analysis to coordinating installation with certified partners.01
Submit your billWe analyze your consumption, current tariff, and self-consumption potential. Free and without obligation.
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Personalized energy studyWe assess the orientation of the home, available area, and consumption habits to arrive at the most profitable solution.
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Conditions tailored to youClear estimate of investment, available support, monthly savings, and return. Financing included if necessary.
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Installation by certified partnerWe select and coordinate the most suitable certified UPAC installation company for your case.
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Continuous SupportWe provide support before, during, and after installation, and adjust the energy strategy whenever the market justifies it.
+55coordinated installations
68 €average monthly savings
6 yearsaverage investment return
4.8/5customer satisfaction
Testimonials
What families who are already saving with CrediSegur say
I used to pay about 120 € per month for electricity. CrediSegur analyzed my consumption, presented me with several options for installing panels and batteries, and handled everything with a responsible company. Today I pay less than 50 € per month. I couldn't believe it when I saw the first bill.
Miguel F.Aveiro
−58%We have a house with a pool and air conditioning. The bill exceeded 200 € in the summer. CrediSegur conducted a complete study, presented us with several companies, and handled all the financing. Today we save more than 60% on our electricity bill.
Ana and Rui M.Setúbal
−60%I work remotely and spend most of the day at home. Before installing solar panels, my bill was around 130 € per month. After installation, I noticed the difference in the first few months. I achieved a 50% savings.
MélanieBraga
−50%
Frequently Asked Questions
Do you have questions? It's normal.
Solar self-consumption is producing your own electricity through photovoltaic solar panels and consuming it directly at home. The installation is registered as a Self-Consumption Production Unit (UPAC) with DGEG. CrediSegur handles the entire process.
A complete residential system, 4 kWp with a solar battery, costs between 6,000 and 7,500 € gross, including VAT at the standard rate of 23%. With available supports — IRS benefit and Efficiency Voucher — the net cost can drop to around 5,000 to 5,800 €. The free analysis includes a personalized estimate for your case.
Yes, in the vast majority of cases. Portugal has between 2,200 and 3,100 hours of sunshine per year. With a well-sized system, the average return is 5 to 7 years, and the accumulated savings over 25 years can exceed 16,500 €.
Since July 1, 2025, the VAT rate applicable to the purchase and installation of photovoltaic solar panels is the standard rate of 23%. The reduced rate of 6% was in effect from July 2022 to June 30, 2025, but the State Budget for 2025 did not foresee its extension. All values presented on this page already include VAT at 23%.
Not necessarily. Solar panels already reduce the electricity bill. The battery is recommended for those who want to store excess energy from the day and use it at night, maximizing self-consumption and energy independence.
CrediSegur specializes in energy analysis and financial optimization. The installation is carried out by companies specialized and certified for UPAC installations, partners of CrediSegur. We select the most suitable partner and oversee the entire process.
Yes. As credit intermediaries, we present the best financing solutions, including mortgage credit for 25 years, aligned with the lifespan of the panels. This service is included in the free analysis.
No. The initial analysis is free and without obligation. You receive the most suitable conditions for your home, including investment estimate, savings, and financing options.
Start saving
Your roof is generating value — for someone else.
More than 55 Portuguese families have already reduced their electricity bill with CrediSegur. The average savings is 68 € per month. The analysis is free.100% free analysisAverage return of 5 to 7 yearsLifespan of over 25 yearsCertified UPAC partnersFinancing included