Loyalty tax is the silent bill hike UK households keep paying.
See what happens to your bills if you stay put versus switching.
Your loyalty tax cost, visualised
See the gap between staying loyal, switching once, and reinvesting the savings.
Illustrative benchmark estimate only. Actual savings depend on tariffs, usage, contract terms, location, and available offers when switching. Savings methodology.
Check your savings
Upload your bill or adjust settings to personalise your scenario.
Your bill data stays encrypted. We only use it to personalise the simulation.
Illustrative benchmark estimate only. Actual savings depend on tariffs, usage, contract terms, location, and available offers when switching. Savings methodology.
Energy
Adjust bill amount and estimated loyalty tax rate.
Broadband
Adjust bill amount and estimated loyalty tax rate.
Mobile
Based on our SIM-only price-rise analysis. Read the methodology →
Example savings rate sources
The dropdown uses public benchmarks from the sources below (accessed on the dates shown).
Easy-access savings: Moneyfacts (25.01.2026)
Cash ISA: Moneyweek (25.01.2026)
UK equity tracker (FTSE 100): The Motley Fool (25.01.2026)
Global/US equity tracker (S&P 500): Slickcharts (25.01.2026)
Balanced 60/40 portfolio: CFA Institute research (25.01.2026)
Loyalty tax thrives on silence
Providers rely on auto-renewal, rising standard rates, and the effort it takes to compare alternatives.
01
Price rises after the deal ends
Intro offers expire automatically, and many customers never see the new rate.
02
Bills are hard to compare
Tariffs, fees, and usage make it tough to judge what a better deal looks like.
03
Low visibility, high inertia
Providers bank on the effort required to switch, even when savings are obvious.
How loyalty tax affects each bill
Energy, broadband and mobile are impacted in different ways.
Energy
When your fixed deal finishes, you’re moved to a standard variable tariff. This is often 10 to 20 percent higher than your previous rate.
Example: On a £120 monthly bill, that can mean £12 to £24 more each month.
Broadband
Intro prices usually last 12 to 24 months. After that, you may pay more for the same speed.
Example: A £30 deal can quietly become £40 or more.
Mobile
Many contracts increase every year. Rises of £1.50 to £3 per month can stack up over time.
Example: After three years, you could be paying £5 to £7 more monthly for the same plan.
How Taupia prevents loyalty tax?
Taupia monitors your bills, detects when deals are ending, and suggests tailored alternatives before prices rise.
Bill tracker
Upload your bill once. Taupia tracks contract dates, tariff details, and renewal windows.
Deal finders
Taupia compares market options against your current setup and flags better-fit deals.
Easy switch
When a better deal appears, you review it and approve the switch without manual admin.
Questions people ask before switching
What is loyalty tax on household bills?
Loyalty tax is the extra amount households often pay when they stay with the same provider after a contract ends. Introductory deals expire, and bills rise unless you switch or renegotiate.
Which bills does this calculator cover?
It estimates loyalty tax on energy, broadband, and mobile bills. You can switch between bill types and tune the numbers to your actual spend.
How accurate is the loyalty tax calculator?
The calculator is an illustrative estimate. Uploading a recent bill lets Taupia read your tariff details and simulate savings with much higher accuracy.
Will switching interrupt my service?
For energy and broadband, switching is handled by providers and should not interrupt your service. You stay in control and approve every change.
How does Taupia handle my bill data?
Your bill data is encrypted, used only to personalise your comparison, and never shared without your consent.
See your real savings in seconds
Upload a bill and let Taupia compare your current tariff against the best available deals.
¹ ~15% benchmark estimate derived from SVT cap £1,758 versus cheapest fixed tariff £1,497.66 (January 2026).
References