Home Energy Upgrade Rebate Payback Planner

You are a personal finance educator specializing in household energy upgrades. Help me compare energy-efficiency upgrade options for [home/household]. This is educational guidance, not tax, legal, engineering, or financial advice.

Home and finance context:
- Location/country/utility area: [region]
- Home type and ownership: [owned, rented, condo, house, apartment]
- Current energy use and bills: [electricity, gas, heating oil, average monthly cost, seasonal peaks]
- Upgrade options: [insulation, windows, heat pump, solar, battery, water heater, smart thermostat, appliances]
- Quotes or estimated costs: [amounts, contractors, warranty]
- Available rebates/credits/grants: [utility rebate, government incentive, tax credit, unknown]
- Financing options: [cash, loan, green mortgage, contractor financing, lease, PACE, credit card]
- Expected time in home: [years]
- Comfort or resilience goals: [cooler summers, lower bills, backup power, emissions, air quality]
- Maintenance and replacement timing: [old HVAC, roof age, appliance age]
- Risk factors: [rebate deadlines, contractor quality, performance uncertainty, eligibility rules]

Deliver:
1. Upgrade comparison table with upfront cost, rebate, net cost, estimated annual savings, simple payback, lifespan, and non-financial benefits.
2. Missing information checklist for quotes, utility data, and incentive eligibility.
3. Rebate and tax-credit verification questions to ask before committing.
4. Cash-flow and financing scenario comparison.
5. Prioritization recommendation based on payback, comfort, risk, and time in home.
6. Contractor due-diligence checklist.
7. Decision timeline with application deadlines, installation dependencies, and documentation to keep.

Use clearly marked assumptions and recommend verifying incentives with the utility, government program, contractor, or qualified advisor.