Electric Bill Analyzer
Almost nobody knows how their electricity bill divides up — and without that, every upgrade decision is a guess. Three months of bills — one hot, one cold, one mild — is enough to see roughly how much goes to heating, how much to cooling, and how much the house draws no matter the weather.
Start with three months
A hot month, a cold month, and one mild month in between. The mild one is what makes the split possible — it shows what your home draws when neither system is working. Find the kilowatt-hours, not the dollars, on each bill.
About your home
Square feet. Optional — used only to judge whether your always-on usage is unusual.
Changes how we read a winter rise in your electricity use.
Pick your state and we'll fill in its average residential electricity rate from EIA data. These are state averages, not your rate — utilities and rate plans vary widely within a state, so check a recent bill and correct the field before you rely on the result.
Where your electricity goes
Enter a hot month, a cold month and a mild one — July, October and January work well — and the split will appear here.
How This Estimate Works
- Baseload comes from a mild month — April, May, October or November. In most homes there is a period when neither the heating nor the cooling system does much work, and what the house draws then is roughly what it draws all year regardless of weather: fridge, water heater, lighting, electronics, standby draw.
- Cooling and heating are whatever sits above that floor in the summer and winter months respectively, scaled to a full season when you have supplied only part of one. Shoulder months contribute to neither — the excess there is usually small, and attributing it would be invention.
- Findings compare your baseload against your floor area and your seasonal peaks against your baseline. They are deliberately quiet: a warning that fires for every house teaches you to ignore all of them.
The mild month is not optional decoration — it is what makes the arithmetic possible. Given only a summer and a winter month, the lower of the two becomes the baseline by definition, its own season's excess becomes zero, and the tool would confidently report that you use no electricity for cooling. If you haven't entered a mild month, the results panel says so rather than showing you that zero.
Within the mild months we take the lowest, which biases baseload slightly low and therefore heating and cooling slightly high. That is the safer direction: it never tells you your heating is cheaper than it really is.
This is a rough split from billing data, not a metered study. It answers “where does my money actually go”, which most homeowners have never seen. It is not a substitute for a proper load calculation when sizing equipment — for that, see our guide to Manual J sizing. Confirm anything you plan to spend money on with a professional and your own bills.
Everything you type stays in this browser and is saved there, so you can add months as bills arrive rather than filling in a year at once. Nothing is uploaded.
Guides that explain these numbers
- Heat Pump vs. Gas Furnace: The Real 2026 Cost ComparisonUpfront cost, operating cost, and total cost of ownership for heat pumps vs. gas furnaces in 2026 — with the trade-offs most guides skip.HVAC · 6 min read
- Insulation vs. HVAC Upgrades: Which Should You Prioritize First?Before spending on a new HVAC system, it's often smarter to fix your home's envelope first. Here's how to decide the right order.HVAC · 3 min read
- How to Tell If Your HVAC System Is Properly Sized (Manual J Explained)An oversized or undersized HVAC system wastes money and comfort. Here's what proper sizing means and how to know if yours is right.HVAC · 4 min read
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