Smart Thermostat Upgrades That Actually Save You Money

Spoiler: it’s more than just turning your heat down and hoping for the best.

July 1, 2025

Once upon a time, managing your home's temperature meant eyeballing a dial and hoping your AC wasn’t secretly bankrupting you. Fast forward to 2025, and we’re deep into the era of smart thermostats—sleek, connected, app-controlled little geniuses that promise lower bills, better comfort, and bragging rights at dinner parties.

But do they actually work? And more importantly—should you DIY the install, or let someone with toolbelt experience take over?

Let’s break it down.

🤖 What Is a Smart Thermostat (and Is It Worth It)?

A smart thermostat is, well, smart. It learns your habits, adjusts itself automatically, lets you control your air conditioner from your phone—even while you're two time zones away—and some models integrate with voice assistants like Alexa, Google Home, or whatever new device keeps trying to order you paper towels.

But here’s the good part:
ENERGY STAR says smart thermostats can save users an average of 8% annually on heating and cooling costs. That might not sound huge… until you remember that the air conditioner typically accounts for nearly half of a home’s energy use.

That means if your summer AC bill makes you sweat before the air kicks on, a smart thermostat could give your utility bills a much-needed chill.

📱 Features That Actually Matter

Let’s cut through the noise. Here’s what to look for:

  • Auto-Scheduling: Learns when you’re home, away, or pretending to be both.
  • Remote Control: Adjust temps from the couch or the airport.
  • Geofencing: Detects when you’ve left the house and sets the thermostat to “not wasteful.”
  • Energy Usage Reports: Like a fitness tracker for your air conditioner.
  • Voice Assistant Compatibility: Because yelling at your thermostat should feel productive.

🔧 Can You Install One Yourself?

Technically, yes. But “technically” is doing a lot of work in that sentence.

DIY may be fine if:

  • Your existing thermostat is low-voltage (most are).
  • You’re comfortable turning off circuit breakers and using wire labels.
  • You have the patience to troubleshoot a WiFi setup that’s allergic to working the first time.

Hire a pro if:

  • You have a high-voltage system (baseboard heaters, etc.).
  • You’re unsure about your HVAC wiring.
  • You’d like to avoid melting anything, including your temper.

Installing a smart thermostat should be a one-hour upgrade—not a weekend-long life decision.

💡 Bonus: Utility Rebates Are Real

Many utility companies offer rebates for smart thermostat installations—some up to $100 depending on your region and provider. Before you buy, check your utility’s website or call customer service (yes, a real human) to see what rebates are available in your zip code.

🧠 Final Thoughts

Smart thermostats are one of those rare home upgrades that feel fancy and actually save you money. They’re sleek, responsive, and surprisingly affordable—especially when you factor in energy savings and rebates.

So if you're tired of choosing between freezing your toes or melting your wallet, maybe it’s time to let a little smart tech take over. Your comfort (and electric bill) will thank you.

Get Started.

Find out how much you qualify for
  • Most homes qualify
  • $0 down
  • No payments for up to 12+ months
  • Approval not based on credit score
  • Hundreds of eligible improvements
Home upgrades and repairs made easy.

FortiFi offers homeowners $0 down, non-credit score-based financing for the property improvement projects on your wish list.

Property Address

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

As of right now we are only available in California and Florida. If you are outside of these states, please contact us and we will notify you when we’re active in your area.

Contact Details
1 / 7
What upgrades are you considering?

Select as many as you'd like.

Other:
Upgrades
2 / 7
What about rate?

Tell us a bit about the term and rate you're looking for.

Desired Term (at 8.99% Rate)
What's your timeline for starting?
How did you hear about us?
FortiFi Sales Rep Name
Contractor Name
DTRT Insurance Agent Phone Number
Insurance Agent Name
Insurance Agent Phone Number
Additional Details
3 / 7
How many property owners are there?

If you have a partner or family member who is also on the title, please include them here otherwise your application will be denied.

Property Owner(s)
4 / 7
Tell us about the property owner(s).

Your information is completely secure with FortiFi and is never used outside of this application.

First Name
Last Name
Social Security Number
Date of Birth
Annual Income
Phone Number

FortiFi is requesting your social security number to run a soft pull credit check, which does not affect your credit score, to confirm the property owner and the property meet eligibility requirements for financing.  As described in FortiFi's Privacy Policy, FortiFi does not sell your personal information.

Now share information on the second property owner.

First Name
Last Name
Social Security Number
Date of Birth
Annual Income
Phone Number
Property Owner(s)
5 / 7
You're almost complete!

Just share your email with us where we can reach out with next steps.

Confirmation
6 / 7
What's the best email to get in touch with you at?
Program Disclosures

The last step before submitting your application.

Confirmation
7 / 7
By completing this form and clicking “Submit Application” below, I consent to the terms of the Consent to Electronic Disclosures and acknowledge receipt of and consent to the Privacy Policy.
Application complete! The FortiFi team will be in touch soon.
Oops! Something went wrong while submitting the form

In the event you have a consumer complaint, questions about your financing obligations related to the contractual assessment or your contractual rights under the terms of this contract, you can contact either this toll-free telephone number or email address provided below and receive a response within 24 hours or one business day.

Phone number:  1-858-345-2000

Customer service email address: info@fortifi.com

Click here to order a payoff statement