Bill Grade: Are You Overpaying for Electricity?
Some households pay $300–$1,400 extra a year on the wrong plan and never notice. In 30 seconds, find out if yours is one — and what switching would save.
Verified with live retail-plan data · Updated May 2026
How your bill gets graded
within 5% of cheapest
5–15% above
15–30% above
30–50% above
50%+ above
Compared against every plan available in your ZIP. Live rates, refreshed daily.
Grade your electric bill
Your ZIP and two numbers from your last bill. 30 seconds.
Free, no signup or email — inputs stay in your browser.
How it works
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Enter two numbers
Monthly total and kWh used. Both are on your last bill.
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We check 100+ live plans
Every plan offered in your ZIP today — delivery and base fees included.
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See your grade
Your A–F grade, exact dollar overpay, and a link you can share.
Not sure where to find the numbers? See the 4-step walkthrough →
What the grades mean
Within 5% of the cheapest plan. You shopped recently and got a great rate.
5–15% above cheapest. Decent rate. Switching might save a couple hundred a year.
15–30% above cheapest. Mediocre. Real savings are on the table.
30–50% above cheapest. You're overpaying — typical for expired fixed-rate plans.
Over 50% above cheapest. A variable rate that's drifted up — switching saves $500+/yr.
How We Ensure Accuracy
Since 2009, the team at ElectricRates.org has helped over 5 million energy consumers find better electricity rates. Supplier information comes from state regulators, company filings, and documented customer feedback. Read the editorial standards & see our methodology.
Frequently asked questions
How is my electric bill grade calculated?
We compare your current bill against the cheapest plan in your ZIP. An A means you're within 5% of that cheapest plan. An F means you're more than 50% above it. Texas uses all-in retail plans. Ohio, Pennsylvania, and Massachusetts hold your utility's delivery charges constant and compare only the supply portion — the part you can shop.
Which states does this work for?
Texas, Ohio, Pennsylvania, and Massachusetts — the four deregulated markets where you can shop your supplier. If a municipal utility (Austin Energy, CPS Energy) or an electric co-op serves you, your bill isn't shoppable. The tool will say so.
Where do you get the comparison rates?
Texas rates come from ComparePower's live retail database — every plan the licensed Texas providers (REPs) sell today, with utility delivery charges (TDU) baked in at your usage level. Ohio, Pennsylvania, and Massachusetts rates come from PowerKiosk: the utility's default supply rate plus every competing offer in your ZIP. Rates refresh daily.
Why is my electric bill higher than the cheapest plan?
Most households haven't shopped their rate in 12+ months. If your fixed-rate plan expired, or you've never switched off utility default service, you're paying well above market. Suppliers price aggressively for new customers — switching to the cheapest plan in your ZIP typically cuts 15–40% off the shoppable portion.
How much can I actually save by switching?
Across the four states served (Texas, Ohio, Pennsylvania, Massachusetts), households at a D or F grade typically save $300–$1,400 a year by switching. The savings come from comparing the current ComparePower / PowerKiosk plan databases against the rate the household actually pays. Your number depends on your usage and how far above market you sit. The tool calculates yours from this month's usage.
How is OH/PA/MA different from TX?
In Texas, your retail provider (REP) bills you one all-in number that covers both delivery and supply. In Ohio, Pennsylvania, and Massachusetts, your bill splits in two: the utility's delivery charges (which you can't shop) and the supply charge (which you can). We keep your delivery charges as-is, swap in the cheapest supplier, and compare the total to your current bill.
Is the bill grade tool free?
Yes. Free, no signup, no email. Your bill numbers stay in your browser — we don't store them. Share the result link with anyone.