Lots of variables such as future price of electricity, interest rates, are you borrowing money or using savings?, how much of the generated electric you'll use, if you sell the house how much will the house price be increased with the system, maintenance of the system – the panels might last 25 years but will the electrics?
But what most people forget is the fact that if you don't buy a system (say £10k) but invest the money then you'll have £10k plus interest at the end of year 1. If you buy the system then you have the FIT plus what energy you used yourself, say £800. Most genuine calculations I've seen have these two figures matching after 12 – 15 years (see variables above). After that then you're making more money from the PV panels. That's if you're still in the house of course.
From looking at some quotes people have got some of these companies have hyped the prices up due to big demand / limited supply and you have to use an accredited installer which reduces the companies which can fit them.