Energy Direct Debit Calculator UK
This energy direct debit calculator works out a fair monthly payment for your gas and electricity: a year’s use at your region’s Q4 2026 price cap rates, adjusted for any credit or debit on your account. Enter what you pay now to see whether your direct debit looks too high or too low.
How the energy direct debit calculator works
A supplier forecasts your Direct Debit over a year. This calculator does the same: it prices a year of your electricity and gas at your region’s cap unit rates and standing charges, adds anything you owe or takes off any credit, and divides by 12. Ofgem expects suppliers to bring an account in credit back towards a zero balance over the next 12 months, and says a debit balance is commonly added and smoothed over the next 12 months.
Why your supplier’s figure can differ
The calculator assumes today’s cap rates last all year, but the cap changes every quarter: the next one, for January–March 2027, is announced by 25 November 2026. Your supplier also uses its own estimate of your usage, which a fresh meter reading can change, and a fixed tariff has its own rates. If the gap is large, give your supplier a meter reading and ask it to review your Direct Debit.