Fictional worked example

Review an electricity bill that exceeded budget

A household compares two simulated statements. It wants to distinguish the amount over budget from the amount above last month.

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Inputs and calculation

Original simulated records, all in USD
MonthUtilityUsageBillBudgetVarianceMonth change
2025-10electricity510 kWh132140-8—
2025-11electricity560 kWh1501401018 (13.6364%)

November variance = 150 − 140 = 10 over. The month change is 150 − 132 = 18, or 18 ÷ 132 × 100 ≈ 13.64%.

What the comparison shows

October was 8 under the same budget. November’s increase in spending is 18 even though the budget overrun is only 10.

Assumptions and limits

Enter each month once. A change in amount alone cannot identify a change in price or use.

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