Fixed or indexed rate: which pays off in 2026?

**The fixed rate** locks the energy component price for 12 or 24 months. Upside: a predictable bill and protection from increases. Downside: if the market drops, you keep paying the locked price, which almost always starts a bit higher. **The indexed rate** follows a market index (PUN for electricity, PSV for gas) plus the provider's fixed spread. Upside: historically, averaged over the months, it costs less than fixed. Downside: the bill fluctuates, and in market peaks it can rise noticeably. **In practice:** fixed suits those with high, steady consumption who want peace of mind; indexed suits those who can absorb small monthly variations in exchange for a lower average price. The right answer depends on your numbers: bring your bill to the office or send it on WhatsApp and we'll show you the comparison on your real consumption.