Florida Power & Light · Florida commercial accounts

Is your FPL commercial bill right?

FPL has no demand ratchet. One bad half hour costs you one month, not twelve, and at about $15 per kW all-in on GSD-1 that half hour is still the most expensive thing your building does. Then January 1, 2027 arrives with three changes at once: the second $705 million step of the 2025 rate settlement, the end of the Gulf Power transition rider that has split Northwest Florida bills from the peninsula for five years, and a Hurricane Isaias storm surcharge the Commission hears on December 1. Nobody at FPL checks whether your bill reconstructs from the tariff. OptivAI does, every cycle, with a dedicated AI Energy Expert on your account, a rate-plan verdict each month and an Optimization Roadmap built from how your building actually runs. $99 per account per month. No equipment, no audit, nothing to install.

Start with one account Ask the Expert a question

Tariff basis: Florida Power & Light Company Electric Tariff, Section 8 rate schedules effective January 1, 2026 and billing adjustment sheets in force for November 2026. Last reviewed by OptivAI on November 11, 2026.

The two questions every FPL business owner eventually types

1. Is my FPL bill right?

An FPL commercial bill is a base charge, an energy charge, a demand charge on schedules above 25 kW, and five billing adjustments that change shape with the schedule. On GS-1 all five are per kWh: fuel 3.202¢, conservation 0.144¢, capacity 0.050¢, environmental 0.331¢ and storm protection 0.927¢, a total of 4.654¢ on top of the 8.039¢ base energy charge. On GSD-1 and above, conservation, capacity and storm protection move to the demand line, $2.45 per kW on GSD-1, so a building pays for them through its peak rather than its consumption. Northwest Florida accounts pay a transition rider charge and peninsular accounts receive a transition rider credit through December 31, 2026, and the two halves of the state have different base bills until then.

OptivAI rebuilds the bill from the filed tariff each cycle, applies each adjustment and rider in force for that month, your schedule and your region, checks the demand against the power factor clause and any contract minimum, and compares the result with what was charged. Anything that does not reconstruct is flagged, in plain language, in your portal.

2. Am I on the right FPL rate plan?

FPL's schedules step at 25 kW, 500 kW and 2,000 kW of measured demand, each with a standard, a time-of-use and a high-load-factor version. GS-1 is energy only. GSD-1 adds a $12.70 per kW demand charge and cuts the energy charge to 2.825¢. GSLD-1 and GSLD-2 raise the demand charge and cut energy again. GSDT-1 and GSLDT-1 price on-peak demand and energy separately, with an on-peak window that moves twice a year. HLFT rewards steady 24-hour load with lower energy charges but a second, maximum-demand charge. You can also opt into a higher schedule early by contracting for its minimum demand, which is sometimes right and sometimes an expensive floor.

Every cycle OptivAI compares your actual usage against each schedule your account is eligible for and delivers a verdict: stay, or switch and why. Where a switch makes sense, you see the projected difference, labelled Projected until your own bill proves it. FPL makes the change; we make sure you know to ask for it.

The FPL rate schedules we read

These are the Florida commercial schedules in OptivAI's FPL tariff catalog, read from Florida Power & Light Company's Electric Tariff, Section 8, rate sheets effective January 1, 2026. Time-of-use variants GST-1 and GSLDT-2, the EV schedules, seasonal demand (SDTR), curtailable (CILC, CS) and standby schedules are reviewed account by account.

Schedule	Who it is for	What we watch
GS-1	General Service, Non-Demand. Demand under 25 kW. $14.20 base charge; 8.039¢ per kWh base energy; $30.00 minimum. Billing adjustments add 4.654¢ per kWh in 2026, minus a 0.031¢ transition credit on the peninsula or plus a 0.485¢ transition charge in Northwest Florida.	Whether measured demand has reached 25 kW, which moves the account to GSD-1 and changes the bill shape entirely.
GSD-1	General Service Demand. 25 kW to under 500 kW. $33.71 base charge; $12.70 per kW; 2.825¢ per kWh. Billing adjustments: 3.201¢ fuel and 0.286¢ environmental per kWh, plus $0.49 conservation, $0.16 capacity and $1.80 storm protection per kW. Minimum $351.21 for accounts that opt in below 25 kW.	The 30-minute peak each month, because there is no ratchet to spread it; power factor at the time of that peak; whether the load profile fits GSDT-1 or HLFT-1 better.
GSDT-1	General Service Demand, Time of Use (optional). Same 25 to 500 kW range. $33.71 base; $11.90 per on-peak kW plus $0.79 per kW of maximum demand; 6.019¢ on-peak and 1.524¢ off-peak energy. On-peak is weekdays 6 to 10 am and 6 to 10 pm ET November through March, and weekdays noon to 9 pm ET April through October.	Whether the on-peak kW is actually lower than the all-hours kW; the summer fuel factor on time-of-use schedules is higher on-peak (3.428¢) than off (3.103¢).
GSLD-1	General Service Large Demand. 500 kW to under 2,000 kW. $98.69 base; $15.12 per kW; 2.179¢ per kWh. Adjustments: 3.198¢ fuel, 0.256¢ environmental, plus $0.55, $0.18 and $1.81 per kW. Minimum $7,658.69 for accounts that opt in below 500 kW.	The all-in demand price (about $17.66 per kW on the peninsula); whether the account crossed 500 kW by measurement or by contract.
GSLDT-1	General Service Large Demand, Time of Use (optional). $98.69 base; $14.26 per on-peak kW plus $0.88 per kW of maximum demand; 3.771¢ on-peak and 1.572¢ off-peak energy. Same on-peak windows as GSDT-1.	Twelve real months modelled before we recommend it; the on-peak window moves on April 1 and November 1.
GSLD-2	General Service Large Demand. 2,000 kW and above. $286.07 base; $15.23 per kW; 1.895¢ per kWh. Adjustments: 3.165¢ fuel, 0.241¢ environmental, plus $0.55, $0.17 and $1.66 per kW. Minimum $30,746.07.	Reviewed account by account; the 2,000 kW contract floor is the question.
HLFT	High Load Factor, Time of Use (optional). Tiered by Annual Maximum Demand: HLFT-1 (25 to 499 kW) $33.71 base, $14.96 per on-peak kW, $3.10 per kW maximum demand, 2.435¢ on-peak and 1.524¢ off-peak; HLFT-2 (500 to 1,999 kW) $98.69, $15.92, $3.42, 1.382¢ and 1.347¢; HLFT-3 (2,000 kW and up) $286.07, $15.48, $3.30, 1.202¢ and 1.201¢.	Whether the load factor is high enough that the lower energy charges beat the higher demand charges; the tier is set by the highest demand of the last twelve months.

Florida gross receipts tax, franchise fees and municipal utility taxes are added after the charges above and vary by city. FPL does not publish reference commercial bills; we reconstruct yours from your own statement in the first cycle.

Billing demand at FPL: no ratchet, which makes every month count

On GSD-1, GSLD-1 and GSLD-2 the billed Demand is the kW of the 30-minute period of greatest use during the month, adjusted for power factor, with no look-back to prior months. That is unusual among Southeastern utilities and it cuts both ways: a bad month is gone in a month, and a good month pays off immediately. Here is what sets the number each month, and what holds it up when you would rather it fell.

30 minThe single highest 30-minute interval of the month sets the demand charge. No averaging, no prior-month ratchet.

85%Below 85 percent lagging power factor at the time of peak, FPL may multiply the metered kW by 85 percent and divide by your actual power factor.

$15.15All-in demand price per kW on GSD-1 on the peninsula in 2026: $12.70 base plus $2.45 of conservation, capacity and storm protection adjustments.

3 stepsSchedules change at 25, 500 and 2,000 kW. Opting into a schedule early fixes a contract minimum demand that bills whether you reach it or not.

Because nothing carries over, the Optimization Roadmap for an FPL account is about the next thirty days, every thirty days: which half hour set last month's peak, what was running, and whether it needed to be. On time-of-use schedules the on-peak window moves on April 1 and November 1, so the same operating pattern can be cheap in October and expensive in November. OptivAI tracks the peak month by month, shows you what set it, and tells you when a power factor correction or a schedule change would do more than any equipment.

What rides on top of the rate

The base schedule is only part of the price. These are the billing adjustments on FPL's Sheet 8.030 for 2026, read from the filed tariff. They are per kWh on GS-1 and split between per-kWh and per-kW on the demand schedules; the fuel and capacity factors are reset each January after the Commission's fuel docket, with mid-year corrections when costs move.

Fuel

The levelized fuel factor: 3.202¢ per kWh on GS-1, 3.201¢ on GSD-1, 3.198¢ on GSLD-1, 3.165¢ on GSLD-2, with separate on-peak and off-peak factors on time-of-use schedules and a higher June through September factor on seasonal schedules. FPL asked on October 30, 2026 to lower it for 2027.

Storm protection

The storm protection plan cost recovery clause: 0.927¢ per kWh on GS-1, and $1.80, $1.81 and $1.66 per kW on GSD-1, GSLD-1 and GSLD-2. On a small business it is the second-largest adjustment after fuel. Separate from the proposed 2027 Hurricane Isaias surcharge.

Conservation and capacity

Energy conservation cost recovery at 0.144¢ per kWh on GS-1, $0.49 per kW on GSD-1, $0.55 on GSLD-1 and GSLD-2; capacity cost recovery at 0.050¢ per kWh on GS-1, $0.16, $0.18 and $0.17 per kW on the demand schedules.

Environmental

Environmental cost recovery at 0.331¢ per kWh on GS-1, 0.286¢ on GSD-1, 0.256¢ on GSLD-1 and 0.241¢ on GSLD-2. Per kWh on every schedule.

Transition rider (ends Dec 31, 2026)

The fifth and final year of the Gulf Power merger transition: accounts in the former Gulf Power area pay 0.485¢ per kWh on GS-1, 0.323¢ on GSD-1 and $1.13 to $1.32 per kW on GSLD; peninsular accounts receive credits of 0.031¢ per kWh on GS-1 and $0.11 to $0.12 per kW on demand schedules. Both stop on January 1, 2027.

What is pending for 2027

FPL filed on October 30, 2026 for lower 2027 fuel factors and a temporary Hurricane Isaias storm surcharge for January through December 2027 ($3.48 per 1,000 kWh on the residential bill; commercial equivalents are in the filing). The Commission hears both on December 1, 2026. Pending, not approved; we apply them only if and when they are ordered.

The FPL landscape, as of this review

Securing your future means watching what the regulator and the utility are doing before it reaches your bill. This is what we are watching for FPL accounts right now.

Nov 20, 2025The Florida Public Service Commission approved FPL's 2025 rate settlement (Docket 20250011-EI): base-rate increases of about $945 million from January 1, 2026 and $705 million from January 1, 2027, with solar and battery base-rate adjustments available in 2027 through 2029 and a 10.95 percent midpoint return on equity. The final order issued January 22, 2026; reconsideration was denied and consumer groups have appealed to the Florida Supreme Court. (NBC Miami, UtilityRateWatch, LegalClarity)
Jan 1, 2026New base rates and new billing adjustment factors took effect across every commercial schedule; the rate sheets in our catalog are the January 1, 2026 versions. The transition rider entered its fifth and final year. (FPL Electric Tariff, Section 8)
May 18, 2026NextEra Energy, FPL's parent, and Dominion Energy announced an all-stock combination. Applications were filed July 15, 2026 with the Virginia, North Carolina and South Carolina commissions, FERC and the NRC; closing is expected in the second half of 2027. FPL's rates stay with the Florida Public Service Commission under the 2025 settlement. (Dominion Energy merger updates)
Oct 30, 2026FPL filed its 2027 fuel petition (Docket 20260001-EI) asking to lower the fuel charge on lower projected natural gas costs, and separately asked for a temporary surcharge from January through December 2027 to recover Hurricane Isaias restoration costs and partly replenish the storm reserve. FPL says the two roughly offset on a residential bill; the commercial factors are set in the same orders. The final hearing is December 1, 2026. (Orlando Sentinel, SignalData)
Dec 1, 2026Commission hearing on FPL's 2027 fuel and capacity factors and the Isaias surcharge. The orders that follow set the per-kWh and per-kW adjustments on every commercial schedule for 2027. We will reconstruct bills on the new factors the first month they appear. (SignalData)
Jan 1, 2027The second base-rate step of the 2025 settlement takes effect; the transition rider charge in Northwest Florida and credit on the peninsula both end; new fuel and clause factors and, if approved, the storm surcharge begin. FPL has also proposed solar-related base-rate adjustments on February 1 and August 1, 2027. Three or four changes inside one quarter is exactly when bills stop reconstructing. (SignalData, FPL Electric Tariff, Section 8)

Reviewed by OptivAI on November 11, 2026. Rate sheets and billing adjustments are re-checked weekly against FPL's filed Electric Tariff and the Florida Public Service Commission's dockets; pending petitions are tracked separately from approved, effective factors.

Your FPL Energy Fingerprint

No two buildings bill alike, and an industry average is not your building. Over twelve cycles OptivAI builds your account's Energy Fingerprint from your FPL data and the facility profile you give us at onboarding: operating hours, major equipment, load drivers and goals. On FPL there is no ratchet, so every month's 30-minute peak stands alone. The Fingerprint learns your month-to-month demand pattern, your power factor at peak against the 85 percent clause, and which of the 25, 500 and 2,000 kW schedule steps your account actually belongs on.

An audit looks once. A Fingerprint learns. It is proprietary to your account, it lives in your portal, and it is the reason your Optimization Roadmap is specific to how your building runs instead of a list of generic tips.

Cycle 1Your first bill rebuilt and verified, your rate-plan verdict, and a Starting Roadmap. The Fingerprint begins.

Cycles 2–11Every cycle adds a season, a peak, a rider change. The portal shows your Fingerprint Progress and the Roadmap sharpens with it.

Month 12Your full Optimization Roadmap, prioritized by impact and specific to your account. Each item is labelled Projected until your FPL bill proves it.

Measured on the bill, not on a spreadsheet

Actual client, Alabama Power territory

23.2%

Bill reduction, $4,573 a month, verified on the utility bill. A commercial account on a closed schedule, exactly the kind of account where the right answer took a full reconstruction, not a rule of thumb. The same reconstruction runs on every FPL schedule.

Across 25 years of commercial energy work

10–20%

In rate and billing savings typically identified by these roadmaps. For your account it is Projected until your own FPL bill proves it, and we label it that way.

FPL questions we are asked

How do I know if my FPL commercial bill is correct?

OptivAI rebuilds each Florida Power & Light bill from the filed tariff for your account (GS-1, GSD-1, GSDT-1, GSLD-1, GSLDT-1, GSLD-2 or HLFT), applies the billing adjustments in force for that month and your schedule (fuel, conservation, capacity, environmental and storm protection, each a per-kWh or per-kW factor depending on the schedule), applies the transition rider credit or charge for your part of the state, checks the demand against the power factor clause and any contract minimum, and compares the result line by line with what you were charged. Anything that does not reconstruct is flagged in plain language every cycle.

Am I on the right FPL rate plan for my business?

Every cycle OptivAI compares your actual usage and demand against the FPL schedules your account is eligible for and delivers a verdict: stay, or switch and why. Common questions are whether a GS-1 account that has crossed 25 kW should be on GSD-1, whether a building with evening and weekend load would do better on GSDT-1 time-of-use, whether a steady 24-hour load qualifies for and benefits from HLFT, and whether a GSD-1 account hovering near 500 kW should plan for GSLD-1. Projected differences are labelled Projected until your own bill proves them.

Does FPL have a demand ratchet?

Not on its standard general service demand schedules. On GSD-1, GSLD-1 and GSLD-2 the billed Demand is the kW of the 30-minute period of greatest use during the month, adjusted for power factor, with no look-back to prior months. That means one bad half hour costs you one month rather than twelve, but at about $15 per kW all-in on GSD-1 it is still the most controllable number on the bill. Two things act like a ratchet: a contract minimum demand if you opted into a schedule below its threshold (25, 500 or 2,000 kW), and the power factor clause, which raises billed kW when power factor at the time of peak falls below 85 percent. HLFT uses an Annual Maximum Demand only to decide which tier you are in.

What changes on FPL bills on January 1, 2027?

Three things, two approved and one pending. The second step of the 2025 rate settlement (Docket 20250011-EI), about $705 million in base revenue, takes effect. The five-year transition rider from the Gulf Power merger ends on December 31, 2026: Northwest Florida accounts stop paying a charge (0.485¢ per kWh on GS-1 in 2026) and peninsular accounts stop receiving a small credit. And FPL has asked the Commission to approve a temporary storm surcharge for Hurricane Isaias restoration from January through December 2027 alongside a lower fuel charge; the Commission hears that on December 1, 2026. OptivAI reconstructs bills on the new filed sheets the month they take effect and shows you the before-and-after on your account.

Will the NextEra Energy and Dominion Energy merger change my FPL rates?

Not by itself. FPL's parent, NextEra Energy, announced an all-stock combination with Dominion Energy on May 18, 2026, with closing expected in the second half of 2027 subject to state and federal approvals. FPL's rates continue to be set by the Florida Public Service Commission under the 2025 settlement, which runs through 2029. OptivAI tracks the case and tells you when, and if, anything in it reaches your tariff.

What is a FPL Energy Fingerprint?

Your Energy Fingerprint is OptivAI's 12-month model of how your FPL account uses and is billed for electricity, built month by month from your utility data and the facility profile you give us at onboarding. On FPL there is no ratchet, so every month's 30-minute peak stands alone. The Fingerprint learns your month-to-month demand pattern, your power factor at peak against the 85 percent clause, and which of the 25, 500 and 2,000 kW schedule steps your account actually belongs on. Your Starting Roadmap arrives in your first cycle and sharpens every month; at month 12 the Fingerprint becomes your full Optimization Roadmap, specific to your account and labelled Projected until your bill proves it.

How much does OptivAI cost for an FPL account?

$99 per utility account per month for one to five accounts, $89 per account at six or more, on a 12-month term billed monthly. No equipment, no installation, no shared-savings split. A Starting Roadmap in your first cycle and the full Optimization Roadmap at month 12.

Do you need my FPL login?

No. You connect your account through a read-only utility connection or upload your bills. OptivAI never sees or stores a utility login.

Is it worth $99 to make sure your company's energy future is secure?

Verifying the present. Reducing your dependence. Securing your future.

$99per FPL account, per month

A dedicated AI Energy Expert on your account from the first cycle. Card, bank or invoice. No equipment, no contract to negotiate, and the savings belong to you.

Start with one account Talk with John, 30 minutes

OptivAI. Humans + AI, Working Together.