This costs me 100e per month.
I'm investing in a full electric ground source heat pump. Which cost me 20k. An alternative is a air heatpump which is around 8k, but with a lower scop.
Let's assume a scop of 5 (air-air) which is conservative. The amount of energy required for heating / showering / cooking was 750 * 9.27 = 6952.5 kWh. Dividing this by the scop of 5 means I require 1390.5 kWh to replace gas. This means I still have excess of solar kWh.
For now I can use the grid as a battery. This means I have no electricity costs - I actually get 20e per month after taxes.
So for 8k I have nullified my gas and electric bill. This means a payback period of 5.5 years (8000/120/12) or a yield of 18% (120/8000 * 100*12) per year.
So it isn't required to have tens of thousands to invest and you get a positive yield (depending the tax climate) even with current gas prices.
The 20k ground source heat pump looks a bit different. But I like that it is quiet and it can cool in summer for less energy that an air-air one.*
If I assume that 2/3 of my usage will be in Winter and I can offset just 200kWh (there is always a bit of sun) then it look like this:
1390.5 * 2/3 = 927 kWh 927kWh - 200 = 727 kWh 727 kWh * 0.40 = 290.80 / year (0.40 is price per kWh)
So I would spend 290 per year so about 25e. Which is 75% less then I do now.
This excludes any other cost / benefit.
ROI depends heavily on the amount of solar power you can also invest into, the weather, and fossil fuel prices. Right when fossil fuel prices spiked because of Russia's invasion, getting a heat pump was a no brainer, because the difference between electricity and fossil fuel prices took months or more off the time to earn back the heat pump investment, but now that fuel prices are dropping back to normal, the equation changed.
Besides the "big heat pump" outside that sometimes needs changes to the house (like installing underfloor heating) people are now starting to use normal split-AC devices with a SCOP of 3 or better for heating. That's even cheaper.