What happens at the annual true-up
OG&E nets generation against consumption within each billing period at the retail rate, and carries excess forward. At an annual true-up, typically in April, any remaining excess credits are compensated at the utility avoided cost rate.
Avoided cost has run in the region of 3 to 5 cents per kWh against an Oklahoma residential average around 13.4, so the conversion is roughly threefold downward.
April is a reasonable date for an Oklahoma household, falling after a winter that draws credits down and before the summer air conditioning season builds them back up.
It still means that any genuine annual surplus is converted at the low rate rather than banked. There is no rollover past the true-up at retail value.
Designing so there is little left to convert
The response is not to fear the true-up but to size so that very little reaches it. A system matched to your annual consumption should arrive at April with a small balance rather than a large one.
Ask for the monthly profile with the credit balance tracked through to the true-up date. That view shows directly how much of the system output is heading for the low rate.
A balance that climbs steadily through the year and arrives large at true-up describes an oversized system. One that rises and falls with the seasons and lands near zero describes a well-matched one.
Ask what percentage of your annual usage the design covers, and require a specific reason for anything meaningfully above 100 percent.
Confirming the details that matter
Ask OG&E to confirm the current true-up month, since a projection built on the wrong date will misjudge which months matter.
Ask what the current avoided cost rate is and how often it is reset. A figure from an older guide may not be the one applied at your true-up.
Ask whether the projection modelled the true-up at all. A model that carries credits forward indefinitely at retail value is describing something the tariff does not do.
Ask what proportion of projected savings comes from retail-rate offsetting rather than from true-up compensation. The first is the durable part; the second is small and rate-dependent.
Building the number without the federal credit
The 30 percent federal Residential Clean Energy Credit under Section 25D expired for property placed in service after December 31, 2025, so a cash or loan purchase in Edmond receives no federal tax credit, and Oklahoma has no state solar tax credit.
Section 48E survives at 30 percent for third-party owners under leases and power purchase agreements, so ask what a provider claims and what reaches you in the rate.
What exists is retail-rate offsetting within the billing period, carry-forward to an annual true-up, and avoided cost compensation for whatever remains at that point.
Ask for the monthly credit balance tracked through to the true-up date, with the true-up month and avoided cost rate confirmed by OG&E.