Rate Plan Comparator

Utilities publish several plans and rarely tell you which one suits your usage. This prices every plan they offer against the same consumption, and ranks the ones a household can actually move onto today, so the ranking reflects your household rather than a headline rate.

Not every utility. 1210 tariffs from 217 utilities, retrieved up to October 8, 2026. A utility missing here is one that has not been indexed yet.

Utility

Alphabetical. Utilities with no priceable plan are left out.

Your current plan (optional)

The plan name is on your bill. Choose it to see what moving to the cheapest open plan would save.

Electricity used each month

One number, or twelve separated by commas. Which plan wins often changes with the season, so a year of real figures is worth entering.

Sales or utility tax

Applied equally to every plan, so it shifts the totals but not the ranking.

Include fixed monthly charges

Worth turning off and on: a plan with a cheap rate and a high standing charge can win at high usage and lose at low usage.

Cheapest of 4 plans open to every household

$1,433.78a year

Residential Time of Use - Two Period (Schedule RTOU-2)

in effect since February 2026

The dearest of them costs $32.46 more a year at this usage — about $2.71 a month for the same electricity.

Plans open to every household, cheapest first

Annual cost of each plan open to every household at the entered consumption, cheapest first
Plan	Per year	vs cheapest	Effective	Confidence
Residential Time of Use - Two Period (Schedule RTOU-2)✓ cheapesttime-of-use · in effect since February 2026	$1,433.78	—	13.3¢	Medium confidence
Residential High Differential Time of Use (Schedule RTOU-3)time-of-use · in effect since February 2026	$1,437.97	+$4.19	13.3¢	Medium confidence
Residential Peak Adjustment Service (Schedule RPKA)time-of-use · tiered · in effect since February 2026	$1,446.13	+$12.35	13.4¢	Medium confidence
Residential Schedule General Use 1RS1A, 1RSDA, 1RS1Bpriced by season · tiered · in effect since February 2026	$1,466.24	+$32.46	13.6¢	High confidence

Restricted plans — priced, not ranked (5)

Means-tested, closed to new customers, needing particular equipment, or only part of a bill. Each is priced so a household that qualifies can compare it.

Annual cost of each restricted plan at the entered consumption
Plan	Per year	Effective	Confidence
Residential Time of Day Service - Schedule RTOD (FROZEN)time-of-use · in effect since April 2024 · frozen	$1,369.28	12.7¢	Medium confidence
Residential Schedule R General Use & Space Heat - One Meter -1RS6A,1RFEBpriced by season · tiered · in effect since April 2017 · needs electric heating	$1,409.80	13.1¢	High confidence
Separately Metered Electric Vehicle Time of Use (Schedule RTOU-EV)time-of-use · in effect since February 2026 · needs an electric vehicle	$1,415.40	13.1¢	Medium confidence
Residential Schedule R General Use and Space Heat - 2 Meters - 1RS2A. 1RS3A. 1RW7A. 1RH1Apriced by season · tiered · in effect since February 2026 · needs electric heating	$1,516.28	14.0¢	High confidence
Residential Other Use ROUpriced by season · in effect since February 2026 · a meter that serves no dwelling	$1,892.78	17.5¢	High confidence

How this was worked out5 assumptions, 3 that could move the total

Priced against the 2026 calendar. Weekday and weekend day counts differ between years, which moves the total on a time-of-use tariff.No effect on the total
Weekend rates are applied on Saturday and Sunday. URDB publishes no holiday calendar, so utilities that bill public holidays at weekend rates are not reflected.Effect unknown
Hours are local clock hours with no daylight-saving shift, matching how time-of-use periods are written in the tariff.No effect on the total
Monthly totals were spread over each day's hours in the typical pattern of homes in Missouri, by month and weekday or weekend (NREL/NLR ResStock 2025 Release 1 (AMY2018), timeseries aggregates by state, baseline). A household that uses more in this tariff's peak hours than that pattern pays more than this estimate, and one that uses less pays less.Effect unknown
No sales or utility tax was applied. Most US jurisdictions add one, so a real bill will be higher.Real bill likely higher

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Estimate — your actual bill may differ.

Tariff data: NREL/OpenEI Utility Rate Database (CC0 1.0), retrieved October 8, 2026.

Tariff data: NREL/NLR ResStock 2025 Release 1 (AMY2018), timeseries aggregates by state, baseline (CC BY 4.0), retrieved October 1, 2026.

Indexed so far: 1210 tariffs from 217 utilities. Not every utility. Utilities are reached two ways: by probing population-centre coordinates in 18 states, and by fetching, by EIA number, the utilities that serve most of each state's homes according to EIA-861. A smaller utility outside both — many rural cooperatives and municipal utilities — will not appear here yet.