Check a billDirect debitMonthly payment checkUK households
Is my direct debit correct? Energy calculator for UK bills
This tool helps you sense-check a monthly payment. It is designed for people asking whether a supplier’s new direct debit is reasonable before they agree to it or dispute it.
Direct debit calculator
Recommended monthly payment
£131.75
Total to recover / hold
£1,581.00
Interpretation
Looks plausible if your forecast cost is accurate.
Suppliers may use different assumptions and review dates. This is a consumer check, not the supplier’s exact internal method.
How to use it
- Start with a realistic annual cost, not a guess based on one strange winter bill.
- Enter your current credit separately from any debt or catch-up balance.
- Use a modest end-of-year buffer so the account does not swing from credit into debt too easily.
- If the supplier’s new monthly payment is much higher than this rough result, ask them to explain the forecast, the balance adjustment and the review period.
Common reasons a supplier raises direct debit
- Your recent usage suggests the old payment was too low.
- Previous estimates left you underpaying and the supplier is now correcting that gap.
- You have account debt or are not on track to cover projected winter usage.
- The supplier wants to rebuild a buffer after a refund or a run of high-cost months.
A high direct debit does not automatically prove the latest bill is wrong. It can also reflect earlier underpayment, missing bills, debt recovery or a supplier forecast you should challenge.