Florida Budget Guide · Published October 24, 2026 · AI-assisted planning guide. No independent professional review is claimed. Editorial policy.
A time-of-use offer changes the importance of when a household consumes electricity, not simply how many kilowatt-hours it uses. This worksheet is for a Florida customer who has an actual eligible offer and interval-use information. It does not assume that a particular utility offers the plan or that moving one appliance schedule will reduce every household’s bill. An evening charging schedule or daytime home-working pattern can materially change a scenario. Use the provider’s own periods and eligibility rules; another utility’s peak hours are not a reliable substitute for this account.
Define the charges before doing the math
Collect the precise rate periods, calendar exceptions, enrollment terms and fixed charges for both options. Use your meter’s relevant interval history if available. A monthly total alone cannot reveal how much energy falls into each price period, and a generic peak-hour schedule should never replace the provider’s current tariff. For off-peak consumption, use measured or clearly stated scenario kilowatt-hours. For peak consumption, allocate usage to the exact provider-defined periods. For plan fixed charges, include customer charges that differ between alternatives. For enrollment terms, record exit conditions and any minimum participation period.
Compare consistent scenarios
Price the same interval-use pattern under both plans before assuming any behavior change. Then model only the loads you can realistically reschedule, preserving comfort, equipment requirements and household routines. Include any documented minimum charge, enrollment condition or adjustment separately rather than spreading it invisibly into a blended rate.
Turn the worksheet into a documented decision
Choose a trial review date and keep a record of what changed after enrollment. Compare a complete applicable period with the worksheet, allowing for weather and occupancy. If the provider offers an official comparison tool or bill protection terms, retain its explanation without treating an estimate as a guaranteed result.
Build your own itemized estimate
Use this topic-specific checklist to collect the actual scope and written amounts. Keep the quote date beside each figure; an unknown charge should stay blank until checked.
| Cost or decision | What to verify | Your amount / date |
|---|---|---|
| Off-peak consumption | Use measured or clearly stated scenario kilowatt-hours | __________ |
| Peak consumption | Allocate usage to the exact provider-defined periods | __________ |
| Plan fixed charges | Include customer charges that differ between alternatives | __________ |
| Enrollment terms | Record exit conditions and any minimum participation period | __________ |
Worked example with fictional inputs
These figures demonstrate the arithmetic only. They are not Florida market prices, current fees, or provider quotes. Follow the units named in each input.
- Off peak kwh
- 600.00
- Off peak rate
- 0.10
- Peak kwh
- 400.00
- Peak rate
- 0.20
Calculation: off_peak_kwh * off_peak_rate + peak_kwh * peak_rate
Illustrative result: 140.00 USD
Illustrative arithmetic using invented planning inputs, not a Florida tariff, provider quote or market-price claim. Replace every input with your own documented figure.