PLAN INTELLIGENCE

Is Your Plan Actually Working?

A low rate doesn't mean a low bill. We analyze how your plan performs against YOUR actual usage--not some hypothetical average Texan.

Your Plan Performance Score tells you if you're winning, losing, or somewhere in between. Updated daily.

How It Works

The "Great Rate" That Costs More

What She Thought:

• "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:

• Only 32% of usage was at night (needed 55%+)
• Daytime rate was 16.4c (hidden)
• Effective rate: 13.8c (not 9.2c)

$47/mo more

Her Plan Performance Score would have been42. She would have known immediately.

What Your Score Tells You

Three scenarios. Three very different stories.

92

4Change Energy

Maxx Saver 24

Excellent (80+)

Expected

$142/mo

Actual

$138/mo

Rate vs Market -0.8c

Below market average
Bill Credit 100%

Hitting every month
Usage Match Excellent

Great fit
Contract 8 mo

Good runway

64

TXU Energy

Free Nights 12

Needs Attention (60-79)

Expected

$148/mo

Actual

$179/mo

Rate vs Market +2.1c

Above average
Off-Peak Usage 38%

Need 55%+
Bill Credit Yes

Hitting target
Contract 3 mo

Expiring soon

Frontier - Simple Saver 12

$34/mo potential savings

38

Reliant

Truly Free Weekends

Poor Fit (<60)

Expected

$135/mo

Actual

$198/mo

Weekend Shift 22%

Need 50%+
Weekday Rate 18.2c

78% of usage
Effective Rate 15.8c

+5.4c above market
Contract Lock 10 mo

Long wait at bad rate

Gexa Energy - Gexa Choice 12

$67/mo potential savings

What Goes Into Your Score

Four factors, weighted by impact on your actual bills.

Rate vs Market

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 Attainment

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 Match

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 Position

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 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 Actual Calculations

Here's how we turn your data into a score.

Effective Rate Calculation

// Total cost breakdown

energy_charge = usage x rate

tdu_charges = delivery + meter

credits = (hit_threshold ? credit_amount : 0)

effective_rate = (energy + tdu - credits) / usage

Score Components

// 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)

Example: TOU Plan Analysis

1,200

kWh total

780

kWh peak (65%)

420

kWh off-peak (35%)

12.8c

effective rate

With 35% off-peak, this TOU plan underperforms. A 10.5c flat rate would save $27/mo.

Plan Myths vsReality

What marketing says vs. what math proves.

CLAIM

"Lowest rate" means best deal

TRUTH

Lowest 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

TRUTH

Free nights/weekends means EXPENSIVE other times. The math rarely works unless you shift 55%+ of usage.

CLAIM

Fixed rate = predictable bills

TRUTH

Fixed rate means predictable RATE. Bills vary with usage, TDU charges, and whether you hit credit thresholds.

CLAIM

Bill credits save you money

TRUTH

Only 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

TRUTH

If you don't know your score, you don't know if it's working. Most Texans overpay $200-500/year.

What To Do With Your Score

Different scores, different actions.

80+

You're Winning

Your plan is performing well. Keep doing what you're doing, but stay alert for contract expiration and market shifts.

Set contract reminders Monitor for market drops

60-79

Room for Improvement

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 Review usage patterns Compare alternatives

<60

Time To Act

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 Calculate ETF break-even Switch ASAP

Frequently asked questions

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Related Features

Members Portal

Your complete dashboard including your live score.

Contract Countdown

Never miss your expiration--a key factor in your score.

Bill Credit Optimizer

Hit your credits to boost your score.