The Finance Algorithm
§ Tool · tier 2 · independent

Electricity Bill Optimizer.

Analyse usage and suggest cheaper plans based on historical bills for Australian households.

Live dataFree, no signupOn-deviceLiveupd August 2026
Inputs
Your numbers

Your residential postcode to fetch local plans

3
1,200
$
$350
100
30

Refer to your bill if unsure.

Math updates live as you change inputs · AI runs on submit

Awaiting inputs

Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.

Electricity costs remain a major household expense in Australia, but the right choices can lead to big savings. The Electricity Bill Optimizer makes comparing your current bill with the cheapest available plans easy. Just enter your most recent bill details (total usage, supply and usage rates, plan type, and any solar exports). We'll analyse your usage, check what you can save, and suggest the best moves—whether that's finding a new plan or changing habits.

§ Worked examples

Real-world scenarios

Household with High Usage (No Solar)

Kim lives in QLD, has a 3-month bill: $505 total for 1,350kWh, usage rate 31c/kWh, supply charge 95c/day.

Inputs

postcode:4000billingPeriodMonths:3totalKWh:1,350totalCost:505supplyChargeCentsPerDay:95usageChargeCentsPerKWh:31planType:Single Rate

Kim could save around $216/year by switching to a plan closer to 27c/kWh, with no lock-in contract.

Family with Solar

The Lee family in NSW has a 4-month bill: $408 total, 1050kWh used, 250kWh exported. Supply: 102c/day, Usage: 27c/kWh.

Inputs

postcode:2077billingPeriodMonths:4totalKWh:1,050totalCost:408supplyChargeCentsPerDay:102usageChargeCentsPerKWh:27planType:Single RatehasSolar:truesolarExportKWh:250

Switching to a plan closer to 23c/kWh usage could save the family around $126/year—comparing feed-in tariffs matters too, since NSW's 2026-27 benchmark for solar exports is only about 3.4-6.5c/kWh.

§ FAQ

Questions Australians ask

§ Glossary

Plain-English definitions

Supply Charge
Daily fixed charge for being connected to the electricity grid—payable regardless of usage.
Usage Charge
The price (per kWh) you are charged for every unit of electricity consumed.
Feed-in Tariff
Rate paid for excess solar energy exported back to the grid.
Plan Type
The way you are charged for usage—single rate, time of use, or controlled load.
kWh (kilowatt hour)
Unit for measuring electricity usage. 1kWh = using 1000W for one hour.