yCalculator

Energy Direct Debit Calculator

Last updated: April 2026

Your direct debit

Energy usage

Current rates

Verdict

Your direct debit of £150 appears approximately correct.

Calculation

Estimated annual bill
£1,800.65
Correct monthly DD
£150.05
Your current DD
£150.00
Monthly difference
-£0.05

Projected year-end balance

Current balance
£0.00
Projected at year end
-£0.32

How to fix it

Keep submitting meter readings and review your payment when prices or usage change.

Your rights

Under Ofgem rules, suppliers must review your direct debit at least once a year and set it at a level that reflects your actual usage. If your supplier refuses to refund reasonable credit, you can complain to the Energy Ombudsman.

Is my energy direct debit correct?

Energy direct debits are often set using estimated readings or previous usage. This calculator uses your annual usage and current rates to estimate what your monthly payment should be.

Can I get a refund of energy credit?

Yes. If you have built up credit with your supplier, you can request a refund and ask them to reduce your monthly direct debit going forward.

Why do energy suppliers overset direct debits?

Suppliers often use cautious estimates to avoid debt, may not reduce payments quickly after price falls, and may round payments up at an annual review.

What does this mean?

This calculator is designed to help you understand the likely number before you make a decision or start an application.

Your result should be checked against official UK guidance, especially if your circumstances include dependants, exemptions, prior leave, or a complex immigration history.

Treat the figure as a planning tool rather than legal advice. Where the answer affects an application deadline or major payment, speak to an authorised adviser.

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