See which provincial and utility rebate programs currently cover heat pumps, insulation, windows, HRV/ERV, and solar PV in your province. The federal Canada Greener Homes Grant and Loan are both closed to new applicants, so this tool focuses on what is actually available now.
Many provincial programs offer higher rebates for income-qualified households. Check each program's own income thresholds on its page below, since they vary by program and household size.
| Measure | Federal | Provincial/Utility Program(s) | Amount |
|---|
Program structure varies a great deal by province: some run a single combined program, others split heat pumps and insulation across separate programs, and a few provinces currently have no general provincial rebate at all. The tool shows what we could confirm for your province rather than guessing.
Check each upgrade you are considering. The tool does not add up a dollar total, because the real amount depends on your fuel type, income tier, and the specific equipment chosen, details only the program itself can confirm. For measure-specific energy savings, use the heat pump vs gas calculator or insulation ROI calculator.
Most provincial and utility programs require pre-approval, a registered contractor, or a pre-retrofit energy evaluation before work begins. Starting work early can disqualify a project entirely, so confirm the requirements on each program's page before signing a contractor agreement. Use the energy audit calculator to identify priority upgrades beforehand.
Canada's residential retrofit funding picture changed substantially through 2025 and 2026. The federal program that anchored most retrofit financing is closed, several provinces renamed or restructured their own programs, and at least one province moved heat pump funding to a different agency entirely. This page summarizes what we could confirm as current, with links to each program directly, since dollar amounts and intake status change often enough that a static number would go stale quickly.
The Canada Greener Homes Grant closed to new applicants in early 2025, and the companion interest-free loan stopped accepting new applications on October 1, 2025, according to NRCan's own retrofit eligibility page. A newer, income-tested program, the Canada Greener Homes Affordability Program, delivers no-cost retrofits to lower- and median-income households through provincial partners, which is a different thing from a rebate on work you pay for yourself. Homes still heated with oil may qualify for the separate federal Oil to Heat Pump Affordability Program, though its availability varies significantly by province and region, and intake has reportedly paused or wound down in some areas faster than others. Confirm current status directly on NRCan's program pages before counting on either, and if the loan structure would have covered part of a project, the HVAC financing calculator is worth checking for other ways to finance the gap.
BC runs its rebates through Better Homes BC, which covers both an all-income Home Renovation Rebate Program and an income-qualified Energy Savings Program. The structure is genuinely tiered by both income and the fuel being replaced rather than a single flat number: published figures include up to $5,500 for insulation and up to $2,000 (standard) or $9,500 (income-qualified) for windows and doors, with heat pump amounts varying by fuel type and income tier. For the full cost comparison once you know your rebate, see the heat pump vs gas calculator.
The Home Efficiency Rebate Plus (HER+) program closed to new participants on December 31, 2025. It has been replaced by the Home Renovation Savings Program, delivered by Enbridge Gas and Save on Energy, covering heat pumps, insulation, and other envelope upgrades with amounts that vary by fuel and equipment. If you have seen "HER+" referenced elsewhere, that program no longer exists under that name.
Quebec's Rénoclimat program still covers insulation, airtightness, and windows and doors, tied to the EnerGuide score improvement the retrofit achieves. As of May 1, 2024, Rénoclimat no longer covers heat pump installation. Heat pump funding in Quebec now runs through Hydro-Québec's LogisVert program instead, calculated by the unit's heating capacity rather than a flat per-measure amount. Given Quebec's low electricity rates and low-carbon grid, a heat pump conversion there offers a strong GHG reduction case even where the direct dollar saving is modest; see the greenhouse gas calculator for province-specific emission factors.
Manitoba (Efficiency Manitoba), New Brunswick (NB Power's Total Home Energy Savings Program), Nova Scotia (Efficiency Nova Scotia), Prince Edward Island (efficiencyPEI), and Newfoundland and Labrador (takeCHARGE) all run active provincial or utility programs covering heat pumps and insulation, with higher amounts typically available for income-qualified households switching off oil heat. Alberta and Saskatchewan do not currently have a general provincial program for these upgrades; some Alberta municipalities offer financing through programs like a Clean Energy Improvement Program, which is worth checking with your city. For the three territories, we were not able to confirm a stable, well-documented program structure at the time of writing, so the tool points to NRCan's federal program pages and the relevant territorial energy office instead of asserting a number.
An earlier version of this calculator added a federal estimate to a provincial estimate for a single combined dollar figure. We removed that, because the federal component no longer exists for self-funded retrofits, and the provincial figures that remain depend on fuel type, income tier, and equipment choice in ways that vary too much by program to responsibly compress into one number. A number that looks precise but isn't accurate is worse than no number at all, so this tool now shows which programs apply and links to each one's own current rates instead. The energy audit report generator is a useful next step once you know which programs require a pre-retrofit evaluation.
No. The Canada Greener Homes Grant closed to new applicants in early 2025, and the companion interest-free loan stopped accepting new applications on October 1, 2025. If you applied before those dates, your existing application may still be honoured; check directly with NRCan for your specific status. A newer, income-tested program, the Canada Greener Homes Affordability Program, offers no-cost retrofits to lower- and median-income households through the provinces, which is a different thing from applying for a rebate on work you pay for yourself.
British Columbia, Manitoba, Ontario, Quebec, New Brunswick, Nova Scotia, Prince Edward Island, and Newfoundland and Labrador all run active provincial or utility programs covering at least some of heat pumps, insulation, and windows. Alberta and Saskatchewan do not currently have a general provincial program for these upgrades. Program names and structures have changed recently in more than one province, so check the program directly rather than relying on an older source.
There is currently no federal grant or loan to stack with a provincial rebate for a self-funded retrofit, since both closed to new applicants. If your home still heats with oil, the separate federal Oil to Heat Pump Affordability Program may apply alongside a provincial top-up in some provinces, though availability varies by region and has reportedly tightened in at least one province. Confirm current stacking rules directly with NRCan and your provincial program administrator before finalizing a retrofit plan.
Usually, yes. Most provincial and utility programs require a pre-retrofit energy evaluation, a registered contractor, or formal pre-approval before work begins, and completing work early can disqualify a project entirely. Requirements and typical costs vary by program; some are covered or reimbursed, others are not. Check the specific program's page for its exact requirements before booking any work.
Full home energy assessment
Full switch cost analysis
Payback on insulation upgrades
Path to net-zero energy
HRV/ERV savings & payback
CO2e from all energy use
ROI on any upgrade
Before/after ACH50 savings