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.
Cheapest of 4 plans open to every household at Union Electric Co is 1(M) Residential Overnight Saver Service at $1,276.52 a year.
Cheapest of 4 plans open to every household
$1,276.52a year
1(M) Residential Overnight Saver Service
in effect since October 2024
The dearest of them costs $198.84 more a year at this usage — about $16.57 a month for the same electricity.
Plans open to every household, cheapest first
| Plan | Per year | vs cheapest | Effective | Confidence |
|---|---|---|---|---|
| 1(M) Residential Overnight Saver Service✓ cheapesttime-of-use · in effect since October 2024 | $1,276.52 | — | 11.8¢ | Medium confidence |
| 1(M) Residential Anytime Service Ratepriced by season · tiered · in effect since October 2024 | $1,321.60 | +$45.08 | 12.2¢ | High confidence |
| 1(M) Residential Smart Saver Servicetime-of-use · in effect since October 2024 | $1,438.78 | +$162.26 | 13.3¢ | Medium confidence |
| 1(M) Residential Evening/Morning Saver Servicetime-of-use · tiered · in effect since October 2024 | $1,475.36 | +$198.84 | 13.7¢ | Medium confidence |
Restricted plans — priced, not ranked (2)
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.
| Plan | Per year | Effective | Confidence |
|---|---|---|---|
| 1(M) Residential Ultimate Saver Servicetime-of-use · demand charge · in effect since October 2024 · billed on peak kW, which monthly use cannot price | $1,153.22 | 10.7¢ | Low confidence |
| 1(M) Residential Grandfathered Optional TOD (Time Of Day)time-of-use · tiered · in effect since October 2024 · closed to new customers | $1,329.34 | 12.3¢ | Medium 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
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.