Smart & programmable thermostats

How much can a smart thermostat save you?

Enter your yearly heating and cooling costs and the schedule you'd actually use. SetbackSave estimates the savings from setting the temperature back at night and while you're out, and how quickly the thermostat pays for itself.

1Energy bills
2Schedule
Yearly savings
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    How thermostat setbacks save energy

    Your home loses heat in winter (and gains it in summer) in proportion to the temperature difference between inside and outside. Lowering the indoor temperature for part of the day reduces that difference, so less heat escapes and the heating system runs less. It's a myth that the furnace has to "work harder" to warm the house back up – the energy saved during the setback is larger than the energy needed to recover.

    Savings ≈ 1 % per °F of setback per 8 hours (US DOE rule of thumb)

    Setting the thermostat back 7 – 10 °F for 8 hours a day can save up to about 10 % a year on heating and cooling. Because savings per degree are larger in milder climates, results vary by region.

    Recommended settings

    SeasonAt home, awakeAsleep or away
    Winter68 °F (20 °C)60 – 64 °F (16 – 18 °C)
    Summer78 °F (26 °C)82 – 85 °F (28 – 29 °C)

    Smart vs programmable thermostats

    Heat pumps and setbacks

    Heat pumps heat most efficiently when they run steadily at low output. A large setback can make the thermostat call for electric resistance backup heat to recover quickly, wiping out the savings. Use small setbacks or a thermostat with heat-pump smart recovery that warms the house gradually.

    Installation checklist

    Frequently asked questions

    How much does a smart thermostat save?

    Typically around 8 – 10 % of heating and cooling costs – often $100 – $200 a year for an average US home.

    Is it cheaper to leave the heat on all day?

    No. Lowering the temperature while you're asleep or away saves energy in almost every home.

    What temperature should I set my thermostat in winter?

    About 68 °F while you're awake and 60 – 64 °F while sleeping or away.

    Do setbacks work with heat pumps?

    Yes, but keep them small or use smart recovery to avoid expensive backup heat.

    Do I need a C-wire for a smart thermostat?

    Most smart thermostats need one for constant power; some include a power adapter kit.

    About SetbackSave

    SetbackSave is an independent, free calculator estimating savings from thermostat setbacks, using the US Department of Energy rule of thumb of about 1 % per degree per 8 hours and published smart thermostat studies. Actual savings depend on your home, climate and habits. We are not affiliated with any thermostat brand or utility.

    Every formula on this page runs entirely in your web browser. The numbers you type are never uploaded, stored or shared. Our goal is simple: give you an honest starting point so you can compare product specifications with confidence and avoid paying for capacity you do not need – or buying something too small to do the job.

    The methodology combines widely published engineering rules of thumb, manufacturer data sheets and the electrical code practices that installers use every day. We review the assumptions regularly and update the calculator when typical product specifications change.

    Contact

    Found a bug, have a suggestion or want to report an outdated assumption? We read every message. Write to us at support@cooling-devices.com and we will usually reply within two business days. Please do not send personal, financial or sensitive information by email.

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    Last updated: October 28, 2026

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    Terms of Use & Disclaimer

    The calculator and articles on this website are provided free of charge for general information and educational purposes only. Results are estimates based on typical values and simplifying assumptions; real-world performance depends on the specific product, installation, climate, wiring and how you use your equipment.

    Nothing on this site is professional engineering, electrical or financial advice. Always follow the manufacturer's instructions and local electrical codes, and have permanent installations, transfer switches and grid-connected systems designed and installed by a licensed electrician or qualified installer. Never operate fuel-burning generators indoors or in enclosed spaces – carbon monoxide can kill within minutes.

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