Is Your Plan Actually Working?
A low rate doesn't mean a low bill. We analyze how your plan performs against YOUR actual usage--not some hypothetical average Texan.
Your Plan Performance Score tells you if you're winning, losing, or somewhere in between. Updated daily.
The "Great Rate" That Costs More
Sarah's Story (Real Customer)
What She Thought:
- * "I got a 9.2c rate--amazing!"
- * "Free nights plan = I save on AC"
- * "$75 bill credit if I hit 1000 kWh"
What Actually Happened:
- * Only 32% of usage was at night (needed 55%+)
- * Daytime rate was 16.4c (hidden)
- * Effective rate: 13.8c (not 9.2c)
Her "9.2c plan" cost:
$47/mo more...than a simple 10.5c fixed rate would have
Her Plan Performance Score would have been 42. She would have known immediately.
What Your Score Tells You
Three scenarios. Three very different stories.
Excellent (80+)
4Change Energy
Maxx Saver 24
Expected
$142/mo
Actual
$138/mo
Needs Attention (60-79)
TXU Energy
Free Nights 12
Expected
$148/mo
Actual
$179/mo
Better plan available:
Simple Saver 12 - Frontier
Save $34/mo
Poor Fit (<60)
Reliant
Truly Free Weekends
Expected
$135/mo
Actual
$198/mo
Better plan available:
Gexa Choice 12 - Gexa Energy
Save $67/mo
What Goes Into Your Score
Four factors, weighted by impact on your actual bills.
Rate vs Market
35% of scoreHow does your effective rate compare to what you could get today? We calculate your true all-in rate (including TDU, credits, fees) and compare it to current market options at your exact usage level.
Credit Attainment
25% of scoreIf your plan has bill credits, are you hitting them? Missing a $50-75 credit dramatically changes your effective rate. We track whether you're consistently hitting, missing, or at risk.
Usage Pattern Match
25% of scoreTOU plan with most usage during peak? That's a mismatch. Flat-rate plan when you could shift to free nights? Missed opportunity. We analyze if your plan TYPE suits your usage PATTERN.
Contract Position
15% of scoreGood rate but expiring next month? That affects your score. Bad rate but ETF makes switching costly? We factor that in. Your position matters as much as the rate itself.
How We Calculate Your Score
Real analysis, real math, real answers.
Analyze Your Plan Structure
We break down your plan's rate structure--base rate, credits, TDU charges, time-of-use periods, everything.
Match Against Your Usage
Your actual usage pattern matters. We overlay your hourly/daily usage onto your plan's pricing to see reality.
Compare to Market
We run your same usage through current market plans to see what you COULD be paying.
Calculate Your Score
Score 0-100 based on rate efficiency, credit attainment, usage match, and contract position.
Recommend Actions
High score? Great, keep it. Low score? Here's exactly what to do and when.
The Actual Calculations
Here's how we turn your data into a score.
Effective Rate Calculation
(energy + tdu - credits) / usage
Score Components
Example: TOU Plan Analysis
With 35% off-peak, this TOU plan underperforms. A 10.5c flat rate would save $27/mo.
Plan Myths vs Reality
What marketing says vs. what math proves.
"Lowest rate" means best deal
Lowest rate at YOUR usage is what matters. A 9c plan with hidden fees beats a 8c plan with $9.95/mo charges.
"Free" anything is actually free
Free nights/weekends means EXPENSIVE other times. The math rarely works unless you shift 55%+ of usage.
Fixed rate = predictable bills
Fixed rate means predictable RATE. Bills vary with usage, TDU charges, and whether you hit credit thresholds.
Bill credits save you money
Only if you hit them. Miss by 1 kWh and you lose $50-75. We track if you're likely to miss.
Your plan is working fine
If you don't know your score, you don't know if it's working. Most Texans overpay $200-500/year.
What To Do With Your Score
Different scores, different actions.
You're Winning
Your plan is performing well. Keep doing what you're doing, but stay alert for contract expiration and market shifts.
Room for Improvement
You're not getting destroyed, but you're leaving money on the table. Look at your factor breakdown--there's likely one or two things to fix.
Time To Act
Your plan is costing you significantly more than it should. We've already found better options--check the "Better Plan Available" section in your score card.
Questions About Plan Scoring
What's a 'good' Plan Performance Score?
80+ is excellent--your plan is working well for your usage. 60-79 means there's room for optimization. Below 60 means you're likely overpaying significantly and should consider switching or changing your usage patterns.
How often is my score updated?
Daily, based on your latest usage data. Your score can fluctuate--a score of 75 might drop to 68 if you miss a bill credit one month, or rise to 82 if you shift more usage to off-peak hours.
Why did my score drop even though I didn't change anything?
Market rates change constantly. If rates drop and you're locked into a higher rate, your 'Rate vs Market' factor worsens. Or your usage pattern might have shifted (more daytime AC usage in summer), affecting TOU plan performance.
Can I improve my score without switching plans?
Sometimes. If you're on a TOU plan and scoring low because of usage timing, shifting appliances to off-peak can help. If you're missing bill credits by a small margin, we can help you hit them. But if your plan is fundamentally wrong for your lifestyle, switching is the answer.
Does a low score mean I should break my contract?
Not automatically. We factor in your remaining contract term and ETF. A score of 45 with 2 months left might mean 'wait it out.' A score of 45 with 10 months left might mean 'break it now and save $400+ net.'
How do you calculate the 'expected' cost vs 'actual'?
Expected is what your plan SHOULD cost at your usage if everything works perfectly (credits hit, optimal timing). Actual is what you really paid. The gap shows if the plan is working as advertised.
What's YOUR Score?
Most Texans don't know if their plan is working. Get your score in minutes and find out if you're winning or leaving money on the table.