BillDecode — AI Utility Bill Analyzer

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Tampa Electric (TECO)

February 2026 • Account: ****4821

Total Due $287.43 ↑ 23% vs last month

Bill Health Fair — room for savings

$47/mo

            Potential Savings
            Switch to TOU-D rate plan
          

Anomalies Found 1 spike, 1 unusual fee

Top 30%

vs. Neighbors Higher than 70% in your zip

📝 Bill Breakdown — In Plain English

💡 Rate Plan Optimizer

Current Plan

RS-1 Standard

$287.43/mo

Flat rate: $0.124/kWh
No time-of-use discounts
Simple, predictable billing

⭐ Recommended

TOU-D Time-of-Use

$240.18/mo

Save $47.25/mo ($567/yr)

Off-peak: $0.089/kWh (9pm-2pm)
On-peak: $0.178/kWh (2pm-9pm)
✅ 68% of your usage is off-peak

Alternative

RS-EV Electric Vehicle

$259.61/mo

Save $27.82/mo

Super off-peak: $0.062/kWh (12am-6am)
Requires EV ownership
❌ You don't have an EV registered

📊 Usage Trends

🚨 Anomalies & Alerts

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Usage Spike Detected

Your February usage (2,318 kWh) is 34% higher than your 12-month average (1,729 kWh). Possible causes: space heater, HVAC issue, or meter error. Compare to weather data →

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Unusual Fee: "Storm Protection Surcharge" — $8.47

This fee was approved in 2024 for hurricane hardening. However, your county wasn't in the affected zone. You may be eligible for an exemption. Generate dispute letter →

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Tip: Your peak usage is 2-6 PM weekdays

If you can shift laundry/dishwasher to after 9 PM, you'd save an extra $12/mo on a TOU plan.

Everything You Need to Fight Back

Utilities have teams of analysts. Now you do too.

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Snap & Scan

Photo, PDF, or screenshot. We read 200+ utility bill formats from every major US provider.

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Plain English

Every charge explained like a friend would. No jargon, no confusion, no BS.

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Error Detection

Catch billing errors, unusual charges, and meter reading anomalies automatically.

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Rate Optimizer

Compare every rate plan your utility offers. Find the cheapest one for YOUR usage pattern.

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Neighbor Compare

See how your usage stacks up against similar homes in your zip code.

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Dispute Generator

Found an error? Generate a professional complaint letter with evidence in one click.

How It Works

Upload Your Bill

Snap a photo or upload the PDF. Takes 5 seconds.

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AI Analyzes Everything

OCR + AI extracts, decodes, and compares every charge.

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Get Your Report

Plain-English breakdown, savings found, and action items.

Simple Pricing

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Free

✅ 3 bill scans/month
✅ Basic line-item explanations
✅ Usage vs. neighbor comparison
❌ Rate plan optimization
❌ Anomaly detection

Plus

$7.99/mo

✅ Unlimited bill scans
✅ Full AI explanations
✅ Rate plan optimizer
✅ Anomaly alerts
✅ Historical tracking

Pro

$14.99/mo

✅ Everything in Plus
✅ Multi-property support
✅ Dispute letter generator
✅ API access
✅ Priority support

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