$ FairRate Audit

Free tool

When does switching pay off?

A cheaper quote is not cheaper until it has paid back the cost of switching — the termination fee, new hardware, installation, and the disruption. Enter both sides and see the break-even month, or the honest answer that it never breaks even.

break-even month = ceil(total switching cost ÷ monthly savings)

Check your current contract. Do not know it? Enter 0 and treat the result as best-case — then look up “ETF” to see why it matters.

Lost sales while you retrain staff or wait on the installer. Optional — 0 is fine.

Use the new provider's written quote, not the sales pitch. Verify it with the padding checker first.