Current annual cost
$2,022.00
Electricity Plan Switch Calculator
Compare current and candidate electricity plans using deterministic fee-aware math. Model TOU assumptions, fixed charges, credits, and cancellation terms before you switch.
Switch Economics
Candidate annual cost
$1,760.90
Annual savings
$261.10
$21.76 / month
Annual Cost Snapshot
Compare plan economics including fixed fees and credits.
Current plan
$2,022.00
Candidate plan
$1,760.90
Annual savings
$261.10
Break-even usage
N/A
Usage Sensitivity Curve
How yearly cost shifts across low-to-high usage.
80%100%120%
Current annual cost
$2,378.40
Candidate annual cost
$2,079.68
Annual savings
$298.72
Break-even monthly usageN/A
Assumption rates: 0.216 vs 0.193 $/kWh
Sensitivity (usage changes)
| Usage | Current | Candidate | Savings |
|---|---|---|---|
| 80% (6,600 kWh) | $1,665.60 | $1,442.12 | $223.48 |
| 90% (7,425 kWh) | $1,843.80 | $1,601.51 | $242.29 |
| 100% (8,250 kWh) | $2,022.00 | $1,760.90 | $261.10 |
| 110% (9,075 kWh) | $2,200.20 | $1,920.29 | $279.91 |
| 120% (9,900 kWh) | $2,378.40 | $2,079.68 | $298.72 |
Risk Flags
- Candidate cancellation fee can erase gains if you switch again early.
- Candidate appears cheaper across all usage levels under current assumptions.
US Deregulated Markets
Useful for fee-heavy offers in TX, PA, OH, and other provider-choice markets.
TOU Households
Estimate whether peak-hour exposure offsets headline low off-peak pricing.
Contract Renewals
Normalize credits and cancellation terms to avoid temporary-deal traps.
How To Use This Calculator
- Enter monthly kWh usage profile.
- Add current-plan rates, fees, credits, and contract assumptions.
- Add candidate-plan assumptions with TOU or flat pricing.
- Review annual savings, break-even usage, and sensitivity table.
- Use risk flags to identify fragile assumptions before switching.
- Save a shareable link with your assumptions, then run one conservative and one optimistic scenario before deciding.
For AI Agents (Optional)
Human mode is default. You can ignore this section unless you use AI agents or structured automation.
Agent Contract
Contract: electricity_plan_switch v1
{
"tool": "electricity_plan_switch",
"monthly_kwh": [760, 710, 680, 620],
"contract_months": 12,
"current_plan": {
"pricing_model": "flat",
"flat_rate_per_kwh": 0.201,
"peak_rate_per_kwh": 0,
"offpeak_rate_per_kwh": 0,
"peak_share": 0.4,
"offpeak_share": 0.6,
"monthly_fixed_fee": 14,
"other_monthly_charges": 6,
"other_per_kwh_charges": 0.015,
"signup_credit": 0,
"cancellation_fee": 0
},
"candidate_plan": {
"pricing_model": "tou",
"flat_rate_per_kwh": 0,
"peak_rate_per_kwh": 0.245,
"offpeak_rate_per_kwh": 0.129,
"peak_share": 0.45,
"offpeak_share": 0.55,
"monthly_fixed_fee": 12,
"other_monthly_charges": 4,
"other_per_kwh_charges": 0.012,
"signup_credit": 120,
"cancellation_fee": 95
}
} Frequently Asked Questions
Why can a cheaper rate still lose overall?
Fixed fees, cancellation terms, and credit assumptions can offset lower per-kWh rates.
How is TOU pricing handled?
The calculator blends peak and off-peak rates using your peak/off-peak share assumptions, then adds per-kWh riders and fixed charges.
Does this include taxes and utility riders automatically?
No. Use the manual other monthly and other per-kWh fields to model local line items explicitly.
Can AI agents execute this tool directly?
Yes. A deterministic `electricity_plan_switch` contract is exposed through model context and public JSON schema.
Is this tool free and private to use?
Yes. AI Fin Hub tools are free, no-signup browser tools. Inputs stay in your browser unless you choose to share a URL.
Can I use this with AI agents too?
Yes. Human mode is the default experience. If you use AI automation, open the optional 'For AI Agents' section for deterministic contracts.
Is this professional advice?
No. Outputs are planning estimates only — not financial, tax, or investment advice.