In this study, a simulation program was developed with heat transfer model in the thermal storage tank for a solar collector and burner combined heating and hot water supply system. Analysis was conducted with variation of operating condition and schedule to analyze performance of a hot water supply and panel heating system with a solar collector and burner combined thermal storage tank. The simulation program is divided two sections. One part is calculation of temperature variation of water which flows through the panel in the floor for heating of the residential house during 24 hours, and the other part is heat transfer calculation for the reaction time to get desired water temperature in the thermal storage tank. As results, light oil consumption and system performance during operation period were analyzed with variation of climate condition and with or without solar collector. Most of the case, oil could be saved about from 24 to 41% with installing the solar collector. The performance of the system is more dependent on radiation time of the solar collector rather than the intensity of the solar radiation which was adopted for the climate analysis.