The IRA 30 percent residential ITC for solar, battery, and geothermal runs through 2032 then steps down. The 25C heat pump credit (capped at $2,000) and 30C EV charger credit (capped at $1,000) run annually through 2032. Stacking IRA credits across multiple eligible products in the same tax year is allowed up to the $3,200 annual cap on 25C.
Credit-by-product timeline
25D residential solar/battery/geothermal: 30 percent through 2032, 26 percent in 2033, 22 percent in 2034, 0 percent in 2035+. No annual dollar cap.
25C efficiency credit: $3,200 annual cap, runs through 2032 then expires. Heat pump $2,000, heat-pump water heater $2,000 (counts toward $3,200 cap), induction $840 (HEAR program for income-qualified).
Max stack worksheet
Single tax year max stack: 25C ($3,200 capped: heat pump $2,000 + insulation $1,200) + 25D (no cap: solar $5,700 + battery $4,500) + 30C ($1,000 EV charger).
Total in single tax year: $14,400+ for a household completing a major retrofit. Spread over 2 years allows another $3,200 of 25C in year 2.
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