A
92/100
Excellent · 4Change Energy, Maxx Saver 24
A · 92/100
Expected $142/mo, actual $138/mo. Rate below market, hitting bill credit every month, excellent usage match. Keep doing what you're doing.
The "Great Rate" That Costs More
What She Thought
Sarah's "9.2c plan" looked amazing
- "I got a 9.2c rate--amazing!"
- "Free nights plan = I save on AC"
- "$75 bill credit if I hit 1000 kWh"
What Actually Happened
Effective rate: 13.8c, not 9.2c
- Only 32% of usage was at night (needed 55%+)
- Daytime rate was 16.4c (hidden)
- Her "9.2c plan" cost $47/mo more than a simple 10.5c fixed rate
Her Plan Performance Score would have been42. She would have known immediately.
Live Demo
What Your Score Tells You
Three scenarios. Three very different stories.
C
64/100
Needs Attention · TXU Energy, Free Nights 12
C · 64/100
Expected $148/mo, actual $179/mo. Off-peak usage only 38% (need 55%+) and rate runs +2.1c above average. Frontier's Simple Saver 12 would save $34/mo.
F
38/100
Poor Fit · Reliant, Truly Free Weekends
F · 38/100
Expected $135/mo, actual $198/mo. Only 22% weekend shift (need 50%+), effective rate 15.8c (+5.4c above market), locked 10 more months. Gexa Choice 12 would save $67/mo.
Methodology
What Goes Into Your Score
Four factors, weighted by impact on your actual bills.
B
74/100
Sample Plan Performance Score
B · 74/100
Four factors, weighted by impact on your actual bills. Here's how a representative plan scores across all of them.
- Rate vs Market82 weight 35%
How does your effective rate compare to what you could get today? We calculate your true all-in rate (including TDU, credits, fees) and compare it to current market options at your exact usage level.
- Credit Attainment70 weight 25%
If your plan has bill credits, are you hitting them? Missing a $50-75 credit dramatically changes your effective rate. We track whether you're consistently hitting, missing, or at risk.
- Usage Pattern Match60 weight 25%
TOU plan with most usage during peak? That's a mismatch. Flat-rate plan when you could shift to free nights? Missed opportunity. We analyze if your plan TYPE suits your usage PATTERN.
- Contract Position75 weight 15%
Good rate but expiring next month? That affects your score. Bad rate but ETF makes switching costly? We factor that in. Your position matters as much as the rate itself.
How It Works
How We Calculate Your Score
Real analysis, real math, real answers.
- 1
Analyze Your Plan Structure
We break down your plan's rate structure--base rate, credits, TDU charges, time-of-use periods, everything.
- 2
Match Against Your Usage
Your actual usage pattern matters. We overlay your hourly/daily usage onto your plan's pricing to see reality.
- 3
Compare to Market
We run your same usage through current market plans to see what you COULD be paying.
- 4
Calculate Your Score
Score 0-100 based on rate efficiency, credit attainment, usage match, and contract position.
- 5
Recommend Actions
High score? Great, keep it. Low score? Here's exactly what to do and when.
The Math
The Actual Calculations
// Total cost breakdown
energy_charge = usage x rate
tdu_charges = delivery + meter
credits = (hit_threshold ? credit_amount : 0)
effective_rate = (energy + tdu - credits) / usage// Weighted score
rate_score = market_comparison x 0.35
credit_score = credit_attainment x 0.25
pattern_score = usage_match x 0.25
contract_score = position_value x 0.15
final_score = sum(all_components)1,200
kWh total
65%
peak usage
12.8c
effective rate
Example: with 35% off-peak usage, this TOU plan underperforms. A 10.5c flat rate would save $27/mo.
Truth Table
Plan Myths vs Reality
What marketing says vs. what math proves.
- CLAIM
"Lowest rate" means best deal
TRUTHLowest rate at YOUR usage is what matters. A 9c plan with hidden fees beats a 8c plan with $9.95/mo charges.
- CLAIM
"Free" anything is actually free
TRUTHFree nights/weekends means EXPENSIVE other times. The math rarely works unless you shift 55%+ of usage.
- CLAIM
Fixed rate = predictable bills
TRUTHFixed rate means predictable RATE. Bills vary with usage, TDU charges, and whether you hit credit thresholds.
- CLAIM
Bill credits save you money
TRUTHOnly if you hit them. Miss by 1 kWh and you lose $50-75. We track if you're likely to miss.
- CLAIM
Your plan is working fine
TRUTHIf you don't know your score, you don't know if it's working. Most Texans overpay $200-500/year.
Next Steps
What To Do With Your Score
Different scores, different actions.
?
0/100
Next Steps
? · 0/100
Different scores, different actions.
You're Winning (80+)
Your plan is performing well. Keep doing what you're doing, but stay alert for contract expiration and market shifts. Set contract reminders and monitor for market drops.
Set Contract RemindersRoom for Improvement (60-79)
You're not getting destroyed, but you're leaving money on the table. Look at your factor breakdown--there's likely one or two things to fix. Check bill credit timing and review usage patterns.
Compare AlternativesTime To Act (<60)
Your plan is costing you significantly more than it should. We've already found better options--check the "Better Plan Available" section in your score card. View alternatives now and calculate your ETF break-even.
View Alternatives NOWQuestions About Plan Scoring
80+ is excellent--your plan is working well for your usage. 60-79 means there's room for optimization. Below 60 means you're likely overpaying significantly and should consider switching or changing your usage patterns.
Daily, based on your latest usage data. Your score can fluctuate--a score of 75 might drop to 68 if you miss a bill credit one month, or rise to 82 if you shift more usage to off-peak hours.
Market rates change constantly. If rates drop and you're locked into a higher rate, your "Rate vs Market" factor worsens. Or your usage pattern might have shifted (more daytime AC usage in summer), affecting TOU plan performance.
Sometimes. If you're on a TOU plan and scoring low because of usage timing, shifting appliances to off-peak can help. If you're missing bill credits by a small margin, we can help you hit them. But if your plan is fundamentally wrong for your lifestyle, switching is the answer.
Not automatically. We factor in your remaining contract term and ETF. A score of 45 with 2 months left might mean "wait it out." A score of 45 with 10 months left might mean "break it now and save $400+ net."
Expected is what your plan SHOULD cost at your usage if everything works perfectly (credits hit, optimal timing). Actual is what you really paid. The gap shows if the plan is working as advertised.
What's YOUR Score?
Most Texans don't know if their plan is working. Get your score in minutes and find out if you're winning or leaving money on the table.