Energy Direct Debit Reasonableness Calculator
Enter the figures from your latest energy statement. This tool compares twelve months of your direct debit against your estimated annual energy cost, then takes account of your balance, the time of year and whether your readings are actual or estimated.
Pre-filled from your saved My PowerGuardian details: annual electricity use, annual gas use. Every value can be changed below.
How the calculation works
- Annual electricity cost = annual electricity kWh × unit rate + 365 × standing charge
- Annual gas cost = annual gas kWh × unit rate + 365 × standing charge
- Pence figures are divided by 100 to give pounds
- Average monthly cost = estimated annual cost ÷ 12
- Annual payments = current monthly direct debit × 12
- A debit balance is added to the expected annual collection before the payment is judged, so repaying arrears is not mistaken for overpaying
Related guidance
The PowerGuardian Home Energy Record
A free printable workbook for logging monthly meter readings, bills, Direct Debit payments and account balances in one place — so you can check bills against real readings and evidence a billing dispute if one arises.
PDF workbook · PowerGuardian · free, no email required
Frequently asked questions
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