I recently read Kate de Selincourt's excellent article in Passive House Plus about Zero Bills homes, and was curious how our bills, on Octopus's "Intelligent Go" tariff (very cheap rate for six hours overnight, and a considerably higher one the rest of the time), would compare. We've now got a full twelve months of PV-generation data for our EnerPHit retrofit near Fort William, so I was able to check it properly against Octopus Energy's Zero Bills tariff, which guarantees that residents pay nothing for electricity for five to ten years. To qualify, a house needs to be off the gas grid, heated by a heat pump, and kitted out with solar PV and a battery, on fabric that only has to be "at least as good as current new-build regulations."
We got close. Not quite there, but close enough to be interesting. Over the twelve months from March 2025 to February 2026 we bought around 6,050 kWh of grid electricity and generated about 4,320 kWh of our own. Between the roughly £900 we spent on imports and the £510 we got back for exports, our net spend was about £390 — covering everything, including EV charging. The Zero Bills tariff covers everything except EV charging, so subtracting the roughly £310 I estimate our charging cost brings our net spend down to about £80 for the year. £80 against Octopus's £0.
Kate's article cites Octopus's own guidance for developers, which puts a typical Zero Bills installation at around 13 kWp of solar (25-30 panels) and a 13.5 kWh battery. We have 6.4 kWp and no battery at all: roughly half the panels, and none of the storage. How did we get so close with so much less kit?
The first answer is the house. More than half of our electricity use for space heating, and almost all of the electricity use for water heating takes place on the cheap overnight tariff. Our heat demand is low, and, importantly, it can be significantly shifted onto cheap overnight electricity even without a battery. That only works because the house needs very little heat and loses heat slowly: we boost the temperature of the downstairs rooms, which we aren't in, during the cheap window overnight and let the fabric coast through the rest of the day needing much less heating.
The second answer is the heat pump itself. Low heat demand only translates into low electricity use if whatever's delivering the heat is efficient, and our air-to-air minisplit is doing that well. I estimate a SCOP somewhere in the region of 4 to 5. Heating and hot water together have consistently cost under £200 a year, across two full years of monitoring.
Third: our appliances are efficient. Everything had the top efficiency rating when we bought it, but all of it is ten to fifteen years old now, and none of it is smart. What it can do is run on a timer, so it goes on during the cheap overnight window, or over the middle of the day if we need a second load of clothes or dish-washing and want to use the solar directly instead.
This combination of low and shiftable demand means that 81% of all the electricity we bought this year was bought off-peak, EV charging included. Stripping out heating, hot water and EV charging, the rest of the household's electricity use came to around 2,100 kWh for the year. For a family of five, that's well below typical: four-to-five person, four-plus-bed UK homes average around 4,100 kWh a year for non-heating electricity use.
None of this involves being obsessional about it, either. There's no dashboard, no home energy management system, nothing clever running in the background. The heating, hot water, dishwasher and washing machine are on timers, everything else just happens when it happens.
Fourth: we're taking on the risk that Octopus takes on for Zero Bills customers, our bill could go up or down. Their guarantee is zero regardless of what happens to electricity prices.
Octopus's own figures on how much a Passivhaus would reduce the PV and battery requirement to qualify for the tariff make for an interesting comparison: their technical director, Nigel Banks, has said that building to Passivhaus standard instead of current regs would cut the solar PV requirement by 25-35% — but leaves the battery requirement unchanged. We're able to nearly match the Zero Bills tariff, with half the solar and no battery, by being more engaged, and taking the risk ourselves.
Would a battery get us to zero? By the Zero Bills definition (everything except car charging), it would actually take us significantly below zero. The smallest home batteries on the market look to be 5 kWh units. Having one would have saved about £209 over the monitored year, simply by charging during the night-time off-peak rate and reducing our use of on-peak electricity even further. Knock that off our £80 net spend and we'd be £129 in credit. Without a battery, 81% of our electricity use was off-peak. A 5 kWh battery, without any other changes, would increase that to more than 97%. The economics of this don't look great for a case like ours where we're already able to shift such a high proportion of our use to off-peak — even the cheapest 5 kWh option runs to £2,500-4,000 installed, more than the saving would pay back within a typical warranty period.
I've not considered the possibility of using a battery to buy and sell power (including our own solar power). I don't know how mature this technology is yet, but this could well change the economics of a battery dramatically. I'd be interested to hear from folk that know more than I do on this.
Perhaps even better for our use case, where our car is on the drive most of the time, would be if we could use the (already paid for and much larger) car battery to do all this. It'd be interesting to know whether that long-promised tech is likely to arrive any time soon.
