Texas Holdover Rate Calculator

Rolled off your fixed contract onto a month to month holdover rate? This tool looks backward, not forward — it tells you what staying on it has already cost you.

Most calculators ask what plan you should shop for next. This one asks a different question: how much has the holdover rate already taken from you, and how much is it taking every month you stay on it. Pull your two most recent bills or EFLs and enter the numbers below.

Your usage

Total kWh used (last full bill) Find this on your bill labeled “kWh used” or “total kWh.” The Texas residential average is about 1,096 kWh/month (EIA, 2024) — we have pre-filled that as a starting point. Replace it with your real number for an accurate answer.

Your current holdover plan

Energy Charge (¢/kWh) The Energy Charge line on your current bill or EFL — the rate you rolled onto after your fixed term ended. Typical Texas holdover rates run 18 to 21¢, higher in summer.

Base/monthly charge ($) A flat monthly fee, if any. Enter 0 if your plan has none.

Months you have been on this holdover rate How many billing cycles since your fixed contract ended. We use this to total up what it has already cost you.

The competitive fixed plan you are considering

Energy Charge quoted (¢/kWh) The Energy Charge line from the new EFL you are comparing against — not the delivery charge, not an all-in average. Competitive fixed rates typically run 10 to 15¢.

Base/monthly charge ($) The flat monthly fee on the quoted plan. Enter 0 if none.

What usage was that quoted rate based on? EFL price-per-kWh figures are disclosed at a fixed usage benchmark (500, 1,000, or 2,000 kWh). Base fees and bill credits amortize differently at each level, so the quote is only accurate near that benchmark.

⚠ One of the rates you entered is under 9¢/kWh, which usually means it is an energy-only teaser rate, not the all-in Energy Charge on a full bill. Comparing an energy-only rate against an all-in rate will make the loss (or savings) look bigger than it really is. Double-check both numbers came from the same line on each document before trusting the result below.

⚠ Your actual usage is far from the benchmark the competitive rate was quoted at. That rate is not reliable at your real usage — ask the provider to re-quote using your actual kWh, not the disclosed benchmark.

What the holdover rate is costing you right now

$0.00

per month, based on what you entered above

$0.00

Per year if you stay on this rate

0

Months on the holdover rate so far

$0.00

already gone, over the months you have been on this rate

How we got that number

Energy Charge difference (0 kWh × 0.0¢)	$0.00
Base/monthly charge difference	$0.00
Monthly overpayment	$0.00

Delivery (TDU) charges are not part of this calculation — they pass through identically no matter which retail plan you are on, so they cancel out of the comparison and do not change the answer.

The bleed does not stop on its own

There is no deadline forcing this — the holdover rate just keeps charging you every month until you switch. See what a real fixed plan looks like at your actual usage.

See real fixed plans now

We earn a commission if you switch. Same plans, same prices. How we make money

This is an estimate based on the numbers you entered, not a bill audit or a guarantee of savings. It compares the Energy Charge and base fee on your current holdover rate against the Energy Charge and base fee you have been quoted elsewhere, at the usage you provided. It does not include taxes, one-time fees, or delivery charges, which are the same on any retail plan you choose. Some rules exist around notice and billing timing for retail electricity contracts in Texas; this tool does not evaluate those and makes no claim about them. Always confirm the full terms in the EFL before you switch.

Usage default sourced from EIA 2024 Texas residential average (1,096 kWh/month) · Methodology

Texas Holdover Rate Calculator

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