Your EV is a
home battery

A 60–80 kWh battery on your driveway. Charge cheap, use when expensive, pair with solar. Your car is your arbitrage machine.

The Big Idea

Buy electricity wholesale.
Use it retail.

An electric car isn't just transport. If it supports Vehicle-to-Home (V2H) or Vehicle-to-Grid (V2G), it becomes the centrepiece of your home energy strategy.

1. Charge Cheap

Overnight on a cheap tariff like Octopus Go at 7p/kWh. Your car charges while you sleep.

7p
Per kWh off-peak

2. Use When Expensive

Discharge into your home during peak hours when grid electricity costs 35–50p/kWh. The car powers your house.

35p
Peak rate avoided

3. Store Solar

Your solar panels generate free electricity during the day. Store it in your car battery. Use it at night.

0p
Solar electricity cost
How It Flows

The energy loop

☀️
Solar Panels
3.5–4kW system
EV Battery
60–80 kWh
🏠
Home Power
V2H discharge
🌙
Night Grid
7p/kWh
🔋
Charge
Off-peak
📈
Peak Hours
Avoid 35p
7p
Off-peak charge
35p
Peak rate avoided
28p
Saved per kWh
£1,000
Annual arbitrage
The Numbers

Combined annual benefits

ComponentAnnual Benefit
EV salary sacrifice vs personal lease£5,000 – 8,000
Charging arbitrage (cheap → peak)~£1,000
Solar self-consumption + EV storage~£1,045
Avoided petrol costs (12,000 mi/yr)~£1,800
Total£8,845 – 11,845

Your EV IS the home battery

A Tesla Powerwall is 13.5 kWh and costs £8–10k. Your EV battery is 60–80 kWh — 5x larger — and you're already paying for it via salary sacrifice. With V2H, you may not need a separate home battery at all.

Solar Panels

Free electricity for 25+ years

0% VAT on residential solar until March 2027. Payback in 5–7 years. Everything after is pure profit.

£6k
4kW install cost
0%
VAT until Mar 2027
3,500
kWh/year generated
25+ yr
Panel lifespan
CapyPay Top Tips — Solar
  • Get 3 quotes minimum — prices vary hugely between installers
  • Must be MCS-certified installer to qualify for Smart Export Guarantee
  • South-facing roof is ideal but east/west split works well too (morning + evening generation)
  • If you have an EV with V2H, skip the separate home battery — your car is 5x bigger
  • Octopus Flux tariff is designed specifically for solar + battery households
Tariffs

Best tariffs for this setup

TariffOff-PeakPeakBest For
Octopus Go7p/kWh~24pSimple EV charging
Octopus Intelligent Go7p/kWh~24pSmart optimised charging
Octopus Flux3 rates + export28p exportSolar + battery
Octopus AgileVariesVariesAdvanced users (can go negative!)
CapyPay Top Tips — Tariffs
  • Start with Octopus Go — simplest, guaranteed 7p overnight window
  • Upgrade to Intelligent Go if your car/charger supports smart scheduling
  • Switch to Flux once solar panels are installed — designed for export + storage
  • Agile can go negative (you get PAID to charge) but needs active management
  • Use a smart charger (Ohme or Zappi) to auto-schedule cheapest charging
Step by Step

How to implement this

Phase 1: EV via salary sacrifice (Month 1)
Check employer offers it. Get quotes. Choose V2H-compatible if possible. Immediate £5–8k/year saving.
Month 1
Phase 2: Smart charging + cheap tariff (Month 2)
Switch to Octopus Go. Install smart charger. Schedule off-peak charging. Save £500–1k/year on fuel.
Month 2
Phase 3: Solar panels (Month 3–6)
Get 3 quotes for 3.5–4kW system. 0% VAT. MCS-certified installer. Save £1k/year, payback 5–7 years.
Month 3-6
Phase 4: V2H bidirectional charger (When ready)
Install Wallbox Quasar 2 or Indra Smart PRO. Automated arbitrage. Save £800–1k/year extra.
When ready

Ready to start?

Step 1 is the EV salary sacrifice. Everything else builds on top.

See the full action plan →