Divide your daily energy use in watt-hours by the output of a single panel (panel watts × sun hours × efficiency), then round up. A home using 900 kWh per month burns 30,000 Wh per day. With 400W panels, 4.5 peak sun hours, and 77% efficiency, each panel yields about 1,386 Wh per day, so you need 30,000 ÷ 1,386 = 21.6, rounded up to 22 panels — an 8.8 kW array producing roughly 10,950 kWh per year. The calculator above does this for any panel wattage and climate.
The number of panels depends on four levers: how much electricity the house uses, how powerful each panel is, how many peak sun hours the site receives, and the system's real efficiency. A sunny home with 450W panels might need only 18 panels for the same load a cloudy home covers with 30. That is why a generic "the average house needs 20 panels" answer is unreliable — this tool tailors the count to your actual numbers.