How many bills should I add?

You can start with 1 bill for a quick estimate. If you want speed, use consented autofill to generate 6 editable months and adjust the autofill amount before creating them. Add 3+ real bills for better reliability.

Why are there mild, normal, and cold winter scenarios?

Winter usage can change a lot. These scenarios show a range so you can plan safely.

Is this tool using real data or estimates?

Your bill entries are real data. Future projections and recommendation rules are estimates based on your pattern.

Does this tool change my direct debit automatically?

No. It gives you a recommendation and a message you can send to your supplier.

Can this help prevent large catch-up bills?

Yes. It can flag a likely shortfall early so you can adjust sooner.

Energy Direct Debit

Analyze recent bill history, account balance, and tariff mode to estimate whether your monthly direct debit is aligned with expected usage. Compare winter scenarios, project year-end balance, and generate an actionable adjustment request.

⏱️ 3-5 minutes • 💪 Short

Updated 2026-03-17

How This Tool Works

📋 Purpose

This tool helps you avoid overpaying or falling into debt by comparing your current payment with likely future usage in different winter conditions.

⚙️ How It Works

1
Enter your current balance, direct debit, and recent bills
2
We project your next 12 months under mild, normal, and cold winters
3
You get a clear payment recommendation plus a copy-ready message for your supplier

Current Position

Current account balance

Current monthly direct debit

Tariff type

Bill History

Quick start: add your latest bill to get an estimate now. Add 3+ bills for a better result and 6-12 for strongest confidence. You currently have 0 bills.

Bill Date

Energy charged

Amount paid (if different)

Was this tool helpful?

Your quick feedback helps improve our tools

Energy Direct Debit Complete Guide

Learn where the numbers come from, how the result is calculated, and what to do next.

📅 Last updated: 2026-03-17

Quick Tips

Jump-start your understanding with these essential tips

Step-by-Step Guide

Follow these steps to get the most from this tool

Enter your current account balance, monthly direct debit, and recent bill history. For each bill, add the date, energy charged, and amount paid. The tool uses your real bill pattern to work out your typical monthly energy cost.

💡 Pro Tips: