Insulation Savings Calculator
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https://cellulose.org/Cellulose-Insulation-2nd.php?pagename=CalculateSavings&dirname=HomeOwners
Going from R19 to R21 saves $21 per year in heating costs. But what about cooling costs?
Here is another one that includes cooling - [1]
See also cooling degree days map - [2]
Heating degree days map - [3]