BudgetWise Billing®

You can't control the weather, but you do control your budget. Our free BudgetWise Billing® program enables you to pay your annual energy bill in equal monthly installments to avoid the seasonal ups and downs of your natural gas and electric bills.

Click on Enroll Now to register. You’ll be prompted to sign-in to your DTE online account if you’re not already logged-in. You can opt-out of BudgetWise Billing at any time.

Program Highlights

Michigan Service Map
Financial Management

By making your monthly bills more predictable, BudgetWise Billing helps to minimize spikes in your amount due during high-use energy months.

We calculate your monthly payment by taking the energy usage and bill amount at your current residence for the last 12 months. We use the average amount to determine your monthly payment.

Calendar quarter

Quarterly Review

We review your energy usage every three months to determine if your monthly amount needs to be adjusted. As your energy usage fluctuates throughout the year, your BudgetWise Billing amount may increase or decrease each quarter to avoid a large under or over payment at the end of 12 months. An outstanding balance during the ninth month will be distributed equally over the remaining three months of the year.

Settlement Month

Settlement Month

After 12 months we review your account and settle any differences between energy used and money paid. If we overcharged, your account will be credited on your next bill. If you are undercharged you will need to settle the difference to remain in the BudgetWise Billing program. The annual reconciliation is called Settlement Month.


Please review our BudgetWise Billing FAQ to learn more, and see the chart below for examples of monthly payments in the program.

Estimate Your Monthly Payment

Annual DTE Energy BillEstimated Monthly Payment
$600 - $1,000$50 - $83
$1,000 - $2,000$83 - $167
$2,000 - $3,000$167 - $250
$3,000 - $5,000$250 - $417