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Read your electric bill, line by line

Every charge rebuilt and traced to the filed tariff, down to the block of eight or nine rider lines most people never read, and the questions the bill cannot answer, named. A ComEd bill is read to the cent today. Any other electric bill is read as far as the reader can take it, and it says so where it cannot.

It must be the PDF from your utility, not a photo or a scan: a picture of a bill has no text in it for us to read. On ComEd.com it is under Billing, then bill history, then download. On a phone, download that same PDF and upload the file.

Read once, never stored, nothing sold. A layout our reader cannot handle is read once by our AI provider and discarded the same way. Privacy notice.

SampleA real ComEd home bill with the numbers changed, not yours. Sixteen charge lines in three sections, each of which has to add up to its own printed subtotal before anything else is claimed.

Residential ComEd bill / Residential - Single

What a bill like yours proves

May 1, 2026 to Jun 2, 2026 (32 days)

16 lines read, 11 recompute to the cent from their own printed rate, 4 checked against filed records (ComEd filed ratebook, ICC posted price to compare).

All 16 charge lines, read, and they add up to $281.06

ChargeQuantityRateAmountFiled
Supply
Electricity Supply ChargePrice to compare1,518 kWh$0.08677$131.72$0.10399 with transmission ICC posting
Transmission Services ChargePrice to compare1,518 kWh$0.01722$26.14$0.10399 with supply ICC posting
Purchased Electricity Adjustment$3.49
Delivery
Customer ChargeDoes not move$15.50$15.39 of $15.50 filed ratebook
Standard Metering ChargeDoes not move$3.87$3.87 filed ratebook
Distribution Facility Charge1,518 kWh$0.06333$96.13$0.06333 filed ratebook
IL Electricity Distribution Charge1,518 kWh$0.00128$1.94$0.00128 filed ratebook
Taxes, fees and credits
Environmental Cost Recovery Adj1,518 kWh$0.00009$0.14
Renewable Portfolio Standard1,518 kWh$0.00516$7.83
Coal to Solar and Energy Storage Fund1,518 kWh$0.00009$0.14
Zero Emission Standard1,518 kWh$0.00087$1.32
Carbon-Free Energy Resource Adj1,518 kWh$-0.01344-$20.40
Energy Efficiency Programs1,518 kWh$0.00369$5.60
Energy Transition Assistance1,518 kWh$0.00084$1.28
Low Income Discount Recovery$1.35
State Tax$5.01
Total$281.06

Every rate here is filed with the Illinois Commerce Commission and is the same for everyone on this rate. Every line on a ComEd bill, explained.

Every line on your bill was extracted and re-added. The computed total matches the Service Period Total ComEd printed, which is how you know nothing was missed or misread.

How, and the source
How
sum of 16 line items = $281.06 = printed total
Source
Your bill, charge details section

What this bill settles

You are on ComEd's Single Family Without Electric Space Heat delivery class

We did not take this from the label on your bill, which does not say whether the home has electric space heat. We rebuilt the Distribution Facilities rate for all four residential delivery classes we hold and found the one whose rate matches the rate printed on your bill. We do not hold ComEd's rules for which class a customer belongs in, so this is the class you are billed on, not a check that it is the right one.

How, and the source
How
printed $0.06333/kWh matches Single Family Without Electric Space Heat in the June 2026 billing period
Source
ComEd filed ratebook, matched to your bill

Price to compare: 10.399 c/kWh; you paid 10.629 c/kWh

ComEd printed a price to compare of 10.399 cents per kWh. Your supply and transmission rates add to 10.399 cents, which is the same number -- consistent with being on ComEd's default supply rather than a retail supplier. What you actually paid for supply was 10.629 cents per kWh, because the price to compare excludes the purchased electricity adjustment and your bill includes it.

How, and the source
How
supply $0.08677 + transmission $0.01722 = 10.399 c/kWh vs printed 10.399 c/kWh
Source
Your bill, supply section and the price-to-compare notice

You have no demand charge, so peak shaving saves you nothing on delivery

Your delivery charges are billed entirely on how much energy you use, not on how fast you use it. Cutting a short spike in your usage would not reduce this bill by a cent. Anyone selling you a residential battery on demand-charge savings in ComEd territory is selling a saving that does not exist on this rate.

How, and the source
How
Distribution Facilities Charge billed per kWh, not per kW
Source
Your bill, delivery section

Also on this bill

Supply $161.35 / Delivery $117.44 / Taxes, fees and credits $2.27

What you paid to buy the electricity, what you paid to have it delivered, and what you paid in taxes, fees and credits. Each section was re-added against its own printed subtotal.

How, and the source
How
Supply: lines sum to $161.35 vs printed $161.35; Delivery: lines sum to $117.44 vs printed $117.44; Taxes, fees and credits: lines sum to $2.27 vs printed $2.27
Source
Your bill, charge details section

The ICC posted 10.399 c/kWh for June 2026, the price your bill printed

The Illinois Commerce Commission posts ComEd's residential price to compare every month, and for June 2026 it posted 10.399 cents per kWh, the same figure your bill printed. That is a check against a source other than the bill itself. Your bill covers May 1, 2026 to June 2, 2026. ComEd's posted price rose from 9.660 (May 2026) to 10.399 (June 2026), and your supply lines were billed at the later figure for the whole period. On your 1,518 kWh the difference between the two postings is $11.22. A year earlier, June 2025's posting was 10.028, so this price is 0.371 cents higher than the same month last year. The ICC also posted the purchased electricity adjustment for June 2026 at 0.230 cents per kWh; the adjustment on your bill works out to 0.230 cents per kWh on the same 1,518 kWh, which agrees.

How, and the source
How
printed 10.399 c/kWh = ICC posting for 2026-06; (10.399 - 9.660) c/kWh x 1,518 kWh = $11.22; PEA $3.49 / 1,518 kWh = 0.230 c/kWh vs posted 0.230
Source
Illinois Commerce Commission, Historical Prices to Compare for ComEd, retrieved 2026-08-31; residential non-space-heat class

All-in rate: 18.52 cents per kWh

Everything on the bill divided by the energy you used. This is the number to use when comparing against anything quoted in cents per kWh.

How, and the source
How
$281.06 / 1,518 kWh = 18.515 c/kWh
Source
Your bill

13 months of usage, from 1,259 to 2,894 kWh a month

Your highest month was August at 2,894 kWh; your lowest was May at 1,259 kWh. That is a 2.3x swing across the year.

How, and the source
How
max 2,894 / min 1,259 = 2.30x
Source
Your bill, the usage graph

What your bill cannot tell you

A monthly statement does not contain the data to answer these.

  1. When did you actually use the electricity?

    Your bill resolves your usage to 13 monthly totals. A month is roughly 2,900 half-hours, and the bill collapses all of them into one number. Nothing on it distinguishes 3am from 3pm.

    Interval data: your usage every 15 or 30 minutes.

  2. What is your peak demand, and when does it happen?

    Residential bills do not measure demand at all. Your meter records it, but nothing on the bill reports it. It is the number that decides whether a battery or a service upgrade is sized correctly.

    Interval data: the maximum interval, with its timestamp.

  3. What does your always-on floor cost you?

    Every building has a base load that never switches off. It is typically the largest single line in an annual energy bill and it is the one nobody ever decided to buy. The bill cannot separate it from everything else, because it never sees your usage at rest.

    Interval data: the overnight trough is the floor, and we already compute it.

  4. Would a different rate have been cheaper?

    ComEd's hourly pricing rate settles against what you used in each hour. Your bill does not record hours, so this is not merely unknown from a bill -- it is unanswerable from one, for anybody, including us.

    Interval data priced against the hourly rate for the same period, hour by hour.

Electricity Bills

Carbon-Free Energy Resource Adj: The Biggest Rider on a ComEd Bill Is a Credit

The Carbon-Free Energy Resource Adj on a ComEd bill is negative. It took $11.70 off one bill and $20.40 off another. It is the nuclear line, the filed tariff defines it that way, and the credit is scheduled to shrink.

UPDATED AUG 25 2026

Almost every line on a utility bill takes money from you. One line on a ComEd bill gives it back, and it is the largest rider on the bill.

Carbon-Free Energy Resource Adj is negative. On the two bills reconciled below it took off $11.70 and $20.40. Most people paying a ComEd bill have never noticed it, and almost nobody knows what it is paying them for.

It is the nuclear line.

What it was worth on two real bills

Bill Usage Filed total Arithmetic Printed
July 2026 billing period 953 kWh (1.228) cents per kWh 953 x $0.01228 = $11.70284 -$11.70
June 2026 billing period 1,518 kWh (1.344) cents per kWh 1,518 x $0.01344 = $20.40192 -$20.40

Brackets denote a credit, which is the tariff's own notation. The rate comes from ComEd's 47th Revised Informational Sheet No. 36.1, effective July 18, 2026.

Note the two bills carry different rates. This is one of the few rider lines that does, and the reason is in the structure below.

It is the nuclear line, and the tariff says so plainly

Rider CFRA recovers the cost of, or passes back the revenue from, procuring Carbon Mitigation Credits. The rider defines the resource that produces them in two clauses:

Carbon-Free Energy Resource (CFER) means a generating facility that: (1) is fueled by nuclear power; and (2) is interconnected to PJM Interconnection, LLC.

That is the whole definition. Not carbon-free in general, not renewables, not a portfolio standard. A nuclear plant on the PJM grid.

A Carbon Mitigation Credit is a tradable credit representing the carbon emission reduction attributes of one megawatt hour from such a facility, under subsection 1-75(d-10) of the Illinois Power Agency Act. The rider gives effect to that section and to subsection 16-108(k) of the Public Utilities Act.

Illinois has a separate renewables line on the same bill, Renewable Portfolio Standard, and a separate one for zero emission credits. This one is specifically the nuclear procurement.

Why a procurement charge is paying you

The answer is one clause in the filed equation, and it is easy to miss.

The P term is defined as the sum of "the expenditures the Company expects to incur or revenues the Company expects to receive" in connection with procuring the credits.

Read that again. The tariff contemplates, in its own arithmetic, that this programme can run as net revenue rather than net cost. When it does, P is negative, the adjustment is negative, and the line on your bill is a credit.

The filed values confirm it is running that way now. The CFR Adjustment itself is (1.466) cents per kWh, a credit before any reconciliation is applied.

What the tariff does not say is why. The contracts sit under Section 1-75(d-10) of the IPA Act, and the rider does not reproduce their pricing terms. We are not going to reconstruct them from inference. What is checkable is the direction, and the direction is money coming back.

One bill line, two numbers, two different clocks

This is the part that explains why two bills a month apart carry different rates, and it is not visible on the bill at all.

The printed line is the sum of two separately filed numbers. The filed sheet says so directly: the combined amount "must be shown as a separate line item ... designated as the Carbon-Free Energy Resource Adj."

The CFR Adjustment is the large one, set for the delivery year running June 1 to May 31, filed with the ICC by May 20 each year, and revisable mid-year when ComEd needs a better match between costs and recovery.

The CFRMR Factor is the correction. Carbon-Free Resource Monthly Reconciliation. Its job, in the rider's words, is to periodically equalise what customers were charged or credited against what the procurement actually cost, "thereby ensuring that the Company does not over or under recover". It is filed every month, by the twentieth of the month before it applies.

So the bill shows you one number that is really a yearly figure plus a monthly correction. Neither is printed. Only the sum.

The credit is scheduled to shrink, and it is already filed

ComEd has published both components through May 2027. This is the whole table.

Billing period CFR Adjustment Monthly reconciliation Printed total
June 2026 (1.466) 0.122 (1.344)
July 2026 (1.466) 0.238 (1.228)
August 2026 (1.466) 0.776 (0.690)
September 2026 (1.466) to be determined to be determined
October to December 2026 (1.057) to be determined to be determined
January to May 2027 (0.984) to be determined to be determined

Cents per kilowatt hour, brackets denoting a credit, exactly as filed.

Two movements are working against the credit at once. The reconciliation factor is climbing hard, from 0.122 to 0.238 to 0.776 in three months, and it is a charge that eats into the credit. Separately, the base adjustment steps down twice, in October and again in January.

The practical result: the August 2026 credit is roughly half the July credit on identical usage. For a household using 1,000 kWh a month, the line goes from $13.44 back in June, to $12.28 in July, to $6.90 in August.

If your bill rose and your usage did not, this is the first line to check. It is the largest rider on the bill and it is moving faster than any other.

Who sets it and what checks it

ComEd computes both numbers and files them with the ICC for informational purposes, each time with supporting work papers.

Two correction terms sit inside the monthly factor and both carry interest at the rate the ICC sets under 83 Illinois Administrative Code Section 280.40(g):

  • ABF, the Automatic Balancing Factor, the running debit or credit balance from applying past factors.
  • OA, the Ordered Adjustment, an amount ordered by the ICC or determined by ComEd to correct errors in previously applied factors. It may be amortised across multiple future periods rather than returned at once.

Before each June, ComEd's internal administrative costs, operational costs and cost of working capital for the procurement must be reviewed with personnel from the Accounting Department of the ICC Staff, and the rider requires an annual audit of costs and recoveries. The money is reviewed after the fact, not just filed.

Can it be avoided?

No, and for once that is the wrong question.

Rider CFRA states that it is applicable to all retail customers, across Rates BES, BESH, BEST and RDS. It applies to each kilowatt hour delivered, so switching to a retail electric supplier does not remove it.

While it is a credit, you would not want to. The thing worth knowing is not how to avoid it but that it is scheduled to get smaller, and that when the reconciliation factor exceeds the base adjustment the line flips from a credit to a charge. On the filed numbers that has not happened yet. On the trend in the table above it is worth watching.

What this page was checked against

Both. The nuclear definition, the P term, the two component structure, the bill-line designation, the filing deadlines and the ICC Staff review are quoted from Rider CFRA, Sheets No. 388 through 392.2 of ComEd's filed Schedule of Rates. Every rate is the filed value on the 47th Revised Informational Sheet No. 36.1, and the June and July 2026 totals are confirmed to the cent by two unrelated bills.

The other lines on the same bill are covered in every line on a ComEd bill, explained, including the one that drops in August and the one that turns into a credit.

What is Carbon-Free Energy Resource Adj on my ComEd bill?

It is Rider CFRA, which handles ComEd's procurement of Carbon Mitigation Credits from nuclear generating facilities interconnected to PJM. The tariff defines a Carbon-Free Energy Resource as a facility fuelled by nuclear power on the PJM grid.

Why is the Carbon-Free Energy Resource Adj negative?

Because the filed equation allows the programme to run as net revenue rather than net cost. Its P term is defined as expenditures the company expects to incur or revenues it expects to receive. When revenues exceed costs, the adjustment is a credit.

How much is the credit?

The printed total was 1.344 cents per kWh for the June 2026 billing period and 1.228 for July, which is $11.70 back on a 953 kWh bill. It falls to 0.690 cents per kWh for August 2026.

Why did my Carbon-Free credit get smaller?

Because the line is a yearly adjustment plus a monthly reconciliation factor, and the reconciliation half has been climbing, from 0.122 in June 2026 to 0.776 in August. The base adjustment also steps down in October 2026 and January 2027.

Can I avoid it?

No. The rider states it applies to all retail customers and it is charged on every kilowatt hour delivered, so switching electricity supplier does not affect it. While it is a credit there is no reason to want to.