So I was comparing oil consumption from last year to this one and have figured I am paying about $1100 for a winters use. I am on target with having spent $700 so far this year. So if spent $1000 for a 5 year old stove and another $1000 in pellets how long before I get ahead on this? My guess is 3 years if I would have been using oil only. A similiar home spends about $2500 a year on oil. Anyone have a theory of what my payback time actually is?