Commercial Electricity Bill Analyzer
Rebuild a business electricity bill, see what costs extra and what fixing it saves.
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- Free preview: the bill analysis in full, and the savings a year from every measure with the first rows of each table and a watermarked chart; the rest of the report is hidden.
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The starting figures are a sample factory with illustrative rates, not a real tariff: open your bill or type its figures.
Your bill
US averages for comparison: commercial 13.97¢ and industrial 9.03¢ a kWh, Last verified 14 Oct 2026 · US EIA Electric Power Monthly: average price of electricity by sector (Table 5.6.B)
The bill, line by line
Savings report
- What load shifting, demand control, power factor correction and the right contract demand save, alone and together
- The investment and the payback, the capacitor bank in kVAr and an action plan
- A year of bills or a load profile (peak shaving needs), a PDF report and a spreadsheet (CSV)
Action plan
An estimate from the figures and the tariff you enter, not advice: check each rate against your tariff order or supply agreement, and have an electrical contractor size and fit capacitors.
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Results are estimates from the formulas shown, not a professional design or certification. Have a qualified engineer verify anything safety-critical (structures, electrical installations, gas or pressure systems).
About the Commercial Electricity Bill Analyzer
A business electricity bill is more than units times a rate. It has demand charges on the highest load of the month (often with a floor set by the contract demand), time-of-day surcharges and rebates, a power factor penalty or incentive (or kVAh billing, which charges for it in the units), fixed charges, fuel adjustments and duty. This analyzer rebuilds your bill line by line from its figures and the tariff, so you see what each part costs and where you pay for nothing: demand above the contract, a floor above what the meter recorded, a low power factor, energy in the dearest hours.
Open the bill’s PDF (it is read in your browser) or type its figures, and the analysis is there at once: every line with what it is worked out from, its share of the total, the load factor, and what costs extra. The savings report then re-runs the same bill with the measures you choose — moving load out of the dearest zone, a lower maximum demand, capacitors for a better power factor, a contract demand that fits — alone and together, over a year of bills or a load profile if you have one, with the investment, the payback and an action plan.
Without a pass you see the full analysis and a free preview of the savings report; every figure of the report, the PDF report and the CSV come with a Premium pass. Nothing you enter or open leaves your browser.
How to use it
- Choose Open your bill (PDF) or paste its text: the figures the analyzer recognises (units, kVAh, demand, power factor, rates, the total, time-of-day zones) are filled in and listed with the line each came from. Or type them from the bill.
- Check Period and energy: the days, the kWh, the kVAh or power factor if the bill shows them, whether energy is billed in kWh or kVAh, the base rate and each time-of-day zone with its units and rate change (a rebate is negative).
- Under Demand, enter the contract demand, the maximum demand recorded and the demand charge; open Billing demand rules for a floor (a share of the contract demand), a ratchet, an excess charge or a charge on the contract demand itself.
- Choose how your tariff charges for the power factor, then enter the fixed charges, fuel adjustment, duty and taxes, and the bill’s total to check the rebuilt bill against it.
- Read the analysis, then set the measures in the Savings report: the share of peak use to move, the cut in maximum demand, the power factor to reach and your quotes. Add a year of bills or a load profile for a yearly figure, and download the PDF report or the CSV — with a pass, or after unlocking this result.
Examples
1,15,000 kWh and 1,25,000 kVAh in 30 days; contract demand 500 kVA, maximum demand 340 kVA; ₹500 a kVA; floor 75% of the contract demand
Billing demand 375 kVA (the floor), demand charges ₹1,87,500: 35 kVA paid for and not used, ₹17,500 this month
Power factor 1,15,000 ÷ 1,25,000 = 0.92
8.7% more units billed than used. Correcting to 0.99 needs 312.8 kW × (0.426 − 0.1425) = 88.7 kVAr of capacitors
tan φ = √(1 − pf²) ÷ pf: 0.426 at 0.92, 0.1425 at 0.99.
182 kW recorded; 80% ratchet on an earlier 230 kW; demand raised by 0.90 ÷ power factor below 0.90; power factor 0.86
Ratchet 184 kW; raised demand 182 × 0.90 ÷ 0.86 = 190.5 kW, which is billed
32,000 kWh and 13,500 kVArh; reactive energy charged below a power factor of 0.95 at 0.35p a kVArh
Allowance 32,000 × tan(acos 0.95) = 10,518 kVArh; 2,982 kVArh above it cost £10.44
Common uses
- Checking a commercial or industrial bill line by line against the tariff, and finding a charge that should not be there.
- Seeing what a low power factor really costs, and sizing the capacitor bank (APFC panel) that pays it back.
- Deciding whether to lower (or raise) the contract demand from a year of bills.
- Planning load shifting and demand control from interval data: Green Button, NEM12, half-hourly or a meter’s load survey.
- Writing an energy savings proposal for a client, with the bill, the measures and the payback in one PDF.
How the bill is rebuilt
- Energy = units billed (kWh, or kVAh with kVAh billing) × the base rate, plus each time-of-day zone’s units × its surcharge or rebate.
- Billing demand = the highest of the maximum demand recorded, the floor (a share of the contract demand), the ratchet (a share of the earlier highest demand) and any minimum; demand charge = billing demand × the rate.
- Excess demand = maximum demand − contract demand when it is above it, charged at an extra share of the demand rate or at its own rate.
- Power factor = kWh ÷ kVAh over the bill. Depending on the tariff it brings an incentive or penalty as a share of the charges for each 0.01 above or below a threshold, raises the billing demand by target ÷ power factor, or charges reactive energy above kWh × tan(acos threshold).
- Then fixed and standing charges, the fuel adjustment and other per-unit charges, the electricity duty (on the energy charges, on energy and demand, or on everything before it), a tax per kWh, and a sales tax, VAT or GST on the whole bill.
The load factor is the average load over the bill divided by the peak load (the maximum demand in kW): the lower it is, the more each unit pays for the peak.
Power factor correction
Power factor is real power divided by apparent power (kW ÷ kVA). Many electricity companies charge a penalty when it falls below 0.90 or 0.95, as the US Department of Energy’s motor and drive systems sourcebook notes; with kVAh billing and kVA demand a low power factor is charged in the units themselves. The Bureau of Energy Efficiency’s energy conservation guidelines for MSMEs set 0.99 as the target power factor of a plant’s distribution system, kept with an automatic power factor controller (APFC) and capacitor banks.
The capacitors needed: kVAr = kW × (tan φ1 − tan φ2), where tan φ = √(1 − pf²) ÷ pf at today’s and the target power factor, sized for the highest kW of the year. At the same kW, the kVA demand falls by today’s power factor ÷ the target, and so do kVAh. Have an electrical contractor size the steps and check for harmonics before buying.
Demand, the floor and the contract demand
Where the tariff bills at least a share of the contract demand, a peak below that floor saves nothing: the saving comes from a lower contract demand. The report sizes it from your highest demand (after the other measures) plus a margin, in the steps your electricity company accepts, and keeps it only when the year’s bills come out lower; it can also be higher than today’s when the excess charges cost more than the floor. With a year of bills it can look for the lowest-cost contract demand that leaves a busy month above it, if you allow that.
A ratchet keeps the billing demand at a share of an earlier peak for months, so one spike costs long after it: demand control pays most where it stops spikes.
Time of day and load shifting
Moving use out of a surcharged zone into a rebate zone saves the difference of the two rates on each unit moved, plus the duty on it. The report moves the share you choose from the dearest zone to the cheapest and rebuilds the bill, so a duty on top or kVAh billing is counted exactly. In India each State Electricity Regulatory Commission publishes its time-of-day zones and rates in its tariff orders (the Forum of Regulators lists them).
Your files stay on your device
A bill PDF is read with the PDF engine in your browser; a password-protected PDF asks for its password, used only there. A year of bills can be a sheet with a row a bill (the template lists the columns), and interval data can be a Green Button export, an NEM12 file, a half-hourly sheet with a day a row, or a load survey with a row an interval: the months, the peaks and the time-of-day split are worked out from it, and large files are read in a background worker. Nothing is uploaded.
Sources
- US DOE: Improving Motor and Drive System Performance, a sourcebook for industry — demand, demand charge, load factor, power factor penalties
- Bureau of Energy Efficiency: Energy Conservation Guidelines for MSME Sector — target power factor
- Forum of Regulators — the State Electricity Regulatory Commissions and their tariff orders
Limitations
- An estimate from the figures and the tariff entered, not advice: tariffs differ in details (rounding, which charges a duty or a power factor rule applies to, minimum charges), so check the rebuilt bill against your own.
- The bill reader recognises common labels, not every bill’s layout: check each figure it fills in. A scanned bill has no text to read.
- Savings assume the same use and tariff over the year; a changed tariff, production or weather changes them.
- Moving load or cutting the peak has costs of its own (shift pay, storage, controls): enter them to see the real payback.
Privacy
On this device: nothing is sent
Everything happens in your browser. What you enter or open here is not uploaded or stored by MySmartCoPilot.
Frequently asked questions
What do I get without a pass?
Without a pass, Commercial Electricity Bill Analyzer shows the bill analysis in full, and the savings a year from every measure with the first rows of each table and a watermarked chart; the rest of the report is hidden. Until you unlock it, the result can’t be downloaded or copied. A Premium or Ultimate pass, a one-time payment that never renews, unlocks the full result. The pricing page lists the passes and their prices.
How is the billing demand worked out?
It is the highest of the maximum demand the meter recorded and the minimums your tariff sets: a share of the contract demand (a floor), a share of an earlier peak (a ratchet) or a fixed minimum. In the sample, 75% of a 500 kVA contract demand is 375 kVA, above the 340 kVA recorded, so 375 kVA is billed and 35 kVA is paid for without being used.
What does a low power factor cost?
It depends on the tariff: a penalty as a share of the charges, a raised billing demand, a charge on reactive energy, or with kVAh billing simply more units billed. At a power factor of 0.92 a kVAh bill charges 8.7% more units than the kWh used. The analyzer shows what the power factor cost in your bill against a power factor of 1 with the same load.
How many kVAr of capacitors do I need?
kVAr = kW × (tan φ1 − tan φ2). To take 312.8 kW from 0.92 to 0.99: 312.8 × (0.426 − 0.1425) = 88.7 kVAr. The report sizes the bank for the highest kW of your year of bills and works out its payback from your quote per kVAr.
Should I lower my contract demand?
Only if the floor sets your billing demand and your highest month, with a margin, stays below the new figure; otherwise the excess charges cost more. The report compares the year’s bills at today’s contract demand and at one sized on your highest demand, and can show when a higher one is cheaper.
Can it read my electricity bill PDF?
Yes, a PDF with text: it reads the labels a bill prints (contract demand, maximum demand, units, kVAh, power factor, the rates after “@”, the zones, the total) and lists what it filled in with the line each came from, so you can check it. Nothing is uploaded; a scanned bill has no text, so type its figures instead.
Do I need a pass?
To see every figure of the savings report and to download the PDF report or the CSV, yes: a Premium pass unlocks every Premium tool. Without a pass you see the bill analysis in full and a free preview of the report: the savings a year from every measure, with the first rows of each table and a watermarked chart.