Earlier quoted context omitted.
Like I think you are alluding to in your own response, manual J is just a design load calculation. It won't give you the annual energy usage so it probably isn't suitable for estimating annual energy costs. You want something that gives you (ideally) hourly load calculations. Like with all models, it depends on how accurate you need to get. Very few energy models (mainly TRNSYS or eQUEST) that I've been involved with…
you can't get hvac installers to do even manual j. i had to retain third party to do it when I wanted to replace hvac. if there are more progressive models, they are most definitely out of question for home owners :)
>they are most definitely out of question for home owners
Maybe the general home owner, but my comment was geared towards the HN crowd. I think running an energy model is within the grasp of most tech-savvy people if they have the inclination. Again, it depends on the accuracy you want. Even Excel can be used for a bin energy model approach (and is even advocated for in some commercial energy auditing texts as a suitable approach for of ASHRAE Level II audits). For example, eQUEST is free from the DoE and there are plenty of tutorials out there.
Edit: for anyone interested, this link gives an example of spreadsheet load calculations for residential applications (scroll to "ResLoad22")