Home & Bills Calculator
See what your household is really costing you, compare your energy position with current regional reference prices, and identify the bills worth checking for better value.
Know your household cost before you try to reduce it.
Enter the amounts from your latest bills. The calculator separates essential home costs from optional or contract-based spending, then shows where your costs deserve a closer look.
Your household bills
Use annual figures where possible. If you only know a monthly amount, enter the monthly figure and the calculator will convert it.
Your result will show where your biggest opportunities may be.
| Bill | Your annual cost | What to do |
|---|
Your energy reference
The GB regional reference is based on Ofgem's published 1 July–30 September 2026 benchmark maximum charges for a standard consumption of 2,500 kWh electricity and 9,500 kWh gas under the published “Other Payment Method” table. It is a reference point, not a personalised tariff quote and not a promise of savings.
MoneySavingExpert energy comparison
CCW consumer advice
GOV.UK council tax information
Current energy reference prices by region
These figures are taken from Ofgem's published July–September 2026 regional tables. They are designed to help you spot a bill that deserves investigation, not to tell you that every household should pay the same amount.
| Region | Electricity reference 2,500 kWh | Gas reference 9,500 kWh | Combined reference |
|---|---|---|---|
| North West | £787.60 | £756.14 | £1,543.74 |
| Northern | £824.03 | £759.99 | £1,584.02 |
| Yorkshire | £826.29 | £758.56 | £1,584.85 |
| Northern Scotland | £829.05 | £755.74 | £1,584.79 |
| Southern | £801.74 | £780.00 | £1,581.74 |
| Southern Scotland | £838.48 | £755.80 | £1,594.28 |
| N Wales & Mersey | £904.48 | £760.71 | £1,665.19 |
| London | £783.00 | £781.21 | £1,564.21 |
| South East | £824.22 | £767.86 | £1,592.08 |
| Eastern | £815.65 | £756.61 | £1,572.26 |
| East Midlands | £783.86 | £750.33 | £1,534.19 |
| Midlands | £810.72 | £759.08 | £1,569.80 |
| Southern Western | £829.48 | £776.07 | £1,605.55 |
| South Wales | £828.06 | £773.45 | £1,601.51 |
| Northern Ireland — Greater Belfast & West | £1,093.00 | £905.00 | £1,998.00 |
| Northern Ireland — Ten Towns | £1,093.00 | £973.00 | £2,066.00 |
GB figures: Ofgem, Benchmark Maximum Charges, 1 July–30 September 2026. NI figures: Utility Regulator, average annual regulated bills from 1 July 2026, based on 3,200 kWh electricity and 12,000 kWh gas on the standard tariff. The NI figures are not directly comparable with the GB consumption assumptions above.
Water: compare by company, not by guesswork.
For England and Wales, water and wastewater charges are set by individual companies. The current 2026–27 national average is £639, but the company averages vary significantly.
Lower reference bills
Northumbrian Water £535, Severn Trent £587 and Hafren Dyfrdwy £635 are among the current company averages listed by Water UK.
Higher reference bills
South West Water £740 and Southern Water £759 are higher current company averages. Your actual charge depends on your property, meter status and support eligibility.
Meter or unmetered?
Water charging can work very differently depending on whether your home is metered. Check your own bill and the support available from your provider.
Where better value usually comes from
Energy
Compare your actual usage, not just the headline monthly direct debit. Check the tariff type, unit rates, standing charges, exit fees and your region.
Broadband
Check what you actually use. When a contract ends, compare the full market rather than automatically accepting the renewal price.
Insurance
Compare renewal prices and cover levels. A cheaper policy is not better value if it removes important protection or has a materially higher excess.
Mobile
Check your data usage and contract end date. SIM-only options can be worth considering when you already own the handset.
Water
Check whether a meter, social tariff, WaterSure or other support could apply to your circumstances. Rules vary by provider.
Council Tax
Use the exact local authority charge for your band. National averages are useful for context but cannot tell you whether your own bill is correct.
Trusted places to check before you switch
Infinity Queen does not claim to know a single cheapest supplier for every household. Prices depend on location, consumption, tariff, meter and eligibility. These sources can take you to current information and comparison tools.
HOME & BILLS
Make your household spending work harder.
Household expenses can quietly become one of the largest parts of your monthly budget.
Small recurring costs can add up significantly over a year.
Infinity Queen looks at practical ways to understand household spending and identify opportunities for better value.
HOUSEHOLD SERVICES
When comparing household services, don't look only at the promotional price.
Check:
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Standard price after promotions
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Contract length
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Installation charges
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Cancellation fees
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Equipment charges
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Usage limits
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Renewal arrangements
HOUSEHOLD SPENDING
A useful first step is to separate spending into:
Essential costs
Housing, utilities, food and other necessities.
Regular commitments
Subscriptions, insurance, contracts and memberships.
Discretionary spending
Entertainment, shopping and other optional purchases.
Understanding where your money goes is often the first step towards controlling it.