Bill calculator
Estimate your Octopus bill with live postcode rates
Use annual kWh from a recent bill, add your postcode and compare planning estimates for the main Octopus tariffs. This is not a quote, but it is a useful way to see whether a tariff deserves a closer look.
Reviewed 13 May 2026. Rates are fetched from the Octopus API when you search and include VAT.
Your annual use
Use your bill or annual statement rather than a monthly payment amount.
Set this to 0 for an all-electric home.
This mainly affects Go and Intelligent Go. Do not assume all EV or battery use lands off-peak.
Cosy has a higher peak period, so heat-pump schedules and household routines matter.
Postcode rates
Start with your postcode
The calculator needs your electricity region before it can fetch current unit rates and standing charges. Static national examples can be misleading because Octopus prices vary by postcode.
Use kWh, not direct debit
Monthly payments can include credit, debt or seasonal smoothing. Annual kWh gives the calculator a cleaner starting point.
Check fit before switching
Smart tariffs can depend on working half-hourly readings, compatible devices, export choices and whether your routine can move load.
If Octopus still looks right
Read the referral-code page only after the numbers and eligibility checks still make sense.