Free tool · Updated October 2026
Energy Bill Calculator UK 2026
Enter your electricity and gas usage to estimate your annual bill — based on Ofgem's Q4 2026 price cap rates. See how you compare to the UK average and where to cut costs.
This free energy bill calculator uses the latest Ofgem price cap unit rates to estimate what a UK household will pay for electricity and gas in 2026. Enter your usage in kWh — found on your bill or smart meter — and the calculator works out your annual cost, monthly direct debit estimate, and how you sit against the Ofgem typical household figure of £1,755 per year.
Fuel type
Enter usage as
Find this on your bill or smart meter. Typical: 2,700 kWh/year.
Find this on your bill or smart meter. Typical: 11,500 kWh/year.
How to calculate your energy bill
Your energy bill has two components: unit costs (how much energy you actually use) and standing charges (a daily fixed fee just for being connected to the grid). Both are capped by Ofgem each quarter.
The formula
⚡ Electricity bill = (kWh used × 24.50p) + (365 × 61.64p)
🔥 Gas bill = (kWh used × 6.24p) + (365 × 31.65p)
Add both together for your total dual-fuel annual cost.
Electricity bill calculator — typical example
A typical household uses 2,700 kWh of electricity per year. At Q4 2026 cap rates: (2,700 × 24.50p) + (365 × 61.64p) = £661.50 + £224.99 = £886/year for electricity alone.
Gas bill calculator — typical example
A typical household uses 11,500 kWh of gas per year. At Q4 2026 cap rates: (11,500 × 6.24p) + (365 × 31.65p) = £717.60 + £115.52 = £833/year for gas alone. Combined: £1,719 — close to the Ofgem £1,755 figure (minor rounding differences by region).
Why are energy bills rising in October 2026?
Ofgem adjusts the energy price cap every quarter. From October 2026, the cap rises 9.3% to £1,755 for a typical dual-fuel household — around £149 more than the July 2026 level. The cap sets the maximum unit rates and standing charges suppliers can charge, not a fixed bill amount. What you actually pay depends entirely on how much energy you use.
Households using more than the Ofgem typical (2,700 kWh electricity + 11,500 kWh gas) will pay proportionally more. High-usage homes — large properties, older boilers, poor insulation — can easily spend £2,500–£3,500 a year.
Read our full October 2026 energy bill guide →Frequently asked questions
Where do I find my kWh usage?
Check your most recent energy bill — it shows annual or monthly kWh usage for electricity and gas separately. If you have a smart meter, the in-home display shows consumption in kWh. Your online supplier account will also show historical usage.
Is this the actual amount I'll be charged?
This is an estimate based on the Ofgem Q4 2026 price cap rates. Your actual bill depends on your specific supplier's tariff, your region, and whether you're on a fixed or variable deal. Some suppliers charge slightly below the cap.
What if I'm on a fixed tariff?
If you locked in a fixed tariff before October, your unit rates may differ. Check your tariff letter or online account for your exact rates and compare them to the price cap rates above.
What's the Warm Home Discount?
A £150 one-off discount applied to your electricity bill, available to households on certain means-tested benefits. It's applied automatically for most eligible households in England and Wales. Check gov.uk to confirm eligibility.
How do I calculate my electricity bill separately?
Switch to "Electric only" mode in the calculator above and enter your electricity kWh usage. Your electricity bill = (annual kWh × 24.50p) + (365 × 61.64p standing charge). For a typical household using 2,700 kWh, that's around £886 per year.
How do I calculate my gas bill separately?
Your gas bill = (annual kWh × 6.24p) + (365 × 31.65p standing charge). A typical household using 11,500 kWh of gas pays around £833 per year at Q4 2026 cap rates.
Last updated: May 2026 · Rates: Ofgem Q4 2026 price cap (October–December 2026)