How it works

You keep your utility account. We become your advisor on top of it — watching bills, finding savings, and offering optional upgrades priced to actually be worth it.

The tiers

Free by default. Paid upgrades opt-in.

Free · everyone

Savings Search

We pull your utility bill each month. We check for billing errors, rate-plan mismatches, upgrade eligibility (efficiency rebates, weatherization credits, community solar), and any incentive we can find in your area.

You keep 90% of what we find — we take 10% of the first year's savings, only on savings you accept. Half of our cut goes to the Emergi Equity Fund; the other half you earn back over time as dividends.

No savings, no fee. Cancel any time.

Paid · pick any

Upgrades

🌻 Community solar  ·  +10% of bill

Upgrade your usage to 100% local solar delivered to your grid. On a $200 utility bill, that's $20 to emrgi. Same utility, same meter, cleaner electrons.

🔒 Rate lock  ·  ≤2% annual cap

Lock your all-in rate for a year, with a guaranteed cap of 2% annual increase after that. If your utility hikes more than that, we eat the difference.

📉 Bill smoothing  ·  fixed monthly

Pay a flat amount each month based on your usage profile, instead of huge summer/winter swings. Reconciled once a year — surplus refunds, shortfall credited.

Deeper look

Rate lock + bill smoothing — the boring math that actually helps.

Both upgrades tackle the same thing from different angles: utility bills that are unpredictable and slowly getting worse. Rate lock handles the year-over-year escalation. Bill smoothing handles the month-to-month whiplash. You can turn on either or both.

🔒

Rate lock

Inflation protection for your electric bill.

What it does

When you enroll, we snapshot your current all-in rate (¢/kWh on the combined utility + solar bill). That rate is locked for one year. On renewal, the new rate is guaranteed not to rise more than 2% per year — no matter what your utility does.

Why it matters

Regulated utility rates in the Southeast have climbed 4–8% per year since 2020 and are still going up (Duke NC has three rate-hike cases pending as of 2026). A 2% cap versus a 6% escalator compounds fast: over five years, that's roughly a 20% smaller bill for the same kWh.

Who eats the risk

We do. When the utility hikes more than 2%, we absorb the gap in our margin. That works because we're pooling risk across every member, and because our energy costs are largely on the solar side (which doesn't inflate like fuel-linked utility rates).

Cancel any time — but the lock only applies while enrolled. Rolling off drops you back onto your utility's current rate.

📉

Bill smoothing

Every month the same. No more $340 August surprises.

What it does

We look at your last 12 months of usage (or a comparable household if you're new), project your annual total, and divide by twelve. That's your monthly bill. Same amount every statement — good for budgeting, good for autopay.

The annual true-up

Once a year we reconcile the twelve fixed payments against what your actual usage cost. If you overpaid, we refund the difference. If you underpaid, the shortfall is credited to next year's monthly amount — spread out, not billed in a lump. Cool summer + mild winter → refund. Heat wave + polar vortex → next year's monthly nudges up.

Example month

A house with a $120 annual average pays $120 every month — not $60 in April and $220 in August. Same total over the year, way less financial whiplash.

Pairs naturally with rate lock: rate lock stabilizes the rate, smoothing stabilizes the monthly amount. Enrolled together, you get one flat, predictable bill for the whole year.

The month

What we actually do, every month.

  1. 1

    Pull the bill

    We fetch your utility bill from the provider (Duke, Dominion, PG&E, Entergy, ConEd — whoever). PDF stored in your account, usage parsed, anomalies flagged.

  2. 2

    Look for savings

    Rate-plan check, seasonal-adjustment check, rebate eligibility, community-solar availability in your NERC region. If we find something worth switching to, you get an email with the math.

  3. 3

    Send you a report

    Actual vs expected usage, cost this month, running annual total, dividend balance, emissions saved. One page, one email per month.

  4. 4

    Handle the money (if you opt into a paid tier)

    We pay your utility on your behalf and bill you once — single ACH, 2% discount vs card. On rate lock or bill smoothing, that's a fixed number you can budget around.

Not on this list

What emrgi does not do.

Free to start. Cancel any time.

The savings search is free forever. Paid upgrades opt-in only. No signup fee.