Electricity Rate Comparison Calculator

Compare flat-rate electricity pricing against Time-of-Use (TOU) on-peak and off-peak tariffs, calculating your break-even on-peak threshold.

Flat Rate vs Time-of-Use (TOU)

Better Tariff Plan
—
— / month diff
Flat Rate Bill
—
at flat rate
TOU Variable Bill
—
peak + off-peak
Break-Even On-Peak %
—
keep below to save

Time-of-Use vs Flat-Rate Equation

TOU Cost = (On-Peak kWh × Peak Rate) + (Off-Peak kWh × Off-Peak Rate) | Break-Even Peak % = (Flat Rate - Off-Peak Rate) ÷ (Peak Rate - Off-Peak Rate)
  • Flat Rate: Uniform price per kilowatt-hour regardless of the time of day.
  • TOU On-Peak: Expensive power hours when regional grid demand peaks (typically weekdays 4 PM to 9 PM).
  • TOU Off-Peak: Discounted overnight, morning, and weekend electricity rates.
  • Break-Even Peak %: Maximum percentage of energy you can use during on-peak hours before TOU costs more than flat-rate.

Step-by-Step Worked Example

Scenario:

Calculation Steps:

    Result:

    How to Use This Calculator

      Assumptions & Limitations

      • Assumes two-tier TOU structure (On-Peak vs Off-Peak).
      • Break-even formula assumes identical total monthly kWh consumption.

      Frequently Asked Questions

      Is Time-of-Use (TOU) electricity pricing worth it?

      TOU is highly beneficial if you can shift heavy electricity use (charging an electric vehicle, running dishwashers or laundry, running pool pumps) to overnight or morning off-peak hours. However, if your home requires heavy air conditioning during 4 PM to 9 PM, flat rates may be cheaper.

      Related Cost Calculators

      kWh Cost Calculator

      Calculate the total cost of any quantity of kilowatt-hours (kWh) across hours, days, months, and years at your exact utility rate.

      Electricity Bill Estimator

      Estimate your complete monthly residential electric utility bill, separating supply generation, distribution delivery, fixed customer fees, and local taxes.

      Utility Cost Comparison Calculator

      Compare competing retail electricity providers, utility rate plans, fixed customer fees, and contract terms side-by-side to find the lowest annual cost.