Your Money Saved
Padlock actively watches your household bills, identifies opportunities to save, and helps you keep more of your money.
Private and encrypted document storage. Accessible only by your household.
Clear results you can verify step-by-step.
Here is how Padlock presents your current costs, savings potential, recommendation, and complete math workings.
Current Annual Cost
£1,840.00
Based on bill usage (2,700 kWh elec / 11,500 kWh gas)
Estimated Potential Saving
£185.00 / yr
Net first-year benefit after £0 exit fee
Recommendation Status
Fixed 12M tariff offers lower unit rates with zero exit fees on your current tariff.
Electricity Breakdown
Usage: 2,700 kWh @ 24.50p/kWh = £661.50
Standing Charge: 365 days @ 53.00p/day = £193.45
Total Elec: £854.95 / yr
Gas Breakdown
Usage: 11,500 kWh @ 6.20p/kWh = £713.00
Standing Charge: 365 days @ 31.00p/day = £113.15
Total Gas: £826.15 / yr
How It Works
Three simple steps to lower household bills.
1. Add your bill
Upload a PDF or photo of your bill, or use manual entry if you don't have a document handy.
2. Padlock reads the important details
We extract supplier name, rates, standing charges, usage and contract terms without guessing missing values.
3. See whether you should stay, review or switch
Get a plain-English recommendation backed by full mathematical workings and market comparison.
Built to be trusted, not to push sales.
We never guess.
If a value is missing from your document or input, we flag it rather than inventing a number.
You confirm important details.
Review and edit all extracted rates and terms before any calculation becomes final.
Nothing is switched without your permission.
We present fair recommendations, but you remain in complete control of every action.
See exactly how we calculated your result.
Every figure includes a full workings breakdown showing rates, consumption and fees.
How Padlock operates
We may receive a commission if you switch through Padlock. Commission does not affect how we rank tariffs.
Tariffs are evaluated deterministically using pure price, contract duration, exit fees, and your exact bill inputs.