Pay As You Save (PAYS®)

Ameren Missouri and Spire are teaming up to offer you the Pay As You Save Program (PAYS) which helps you make energy-efficient upgrades to your home with little or no upfront costs. We make it easy to pay as you save with a fixed monthly charge on your Ameren Missouri bill.

Energy Efficient Upgrades Made Affordable


After review of your form, we'll contact you for an in-home assessment that includes free installation upgrades.


You agree to move forward with qualifying measures and they're installed by a program partner.


Enjoy lower energy costs and improved comfort while repaying the upgrade cost through an on-bill charge.

The PAYS program eliminates or greatly reduces the financial barrier so you can make upgrades that result in a safer, more comfortable, more efficient home.

Example Improvements

  • Duct Repair
  • Home Insulation Improvement
  • New HVAC Systems
  • General Weatherization Upgrades
  • Hot water pipe wrap

Benefits to Participating

  • Improved comfort
  • Little to no out-of-pocket costs
  • No credit checks
  • No loans
  • Reduced energy use
  • Annual savings on your energy bill

Frequently Asked Questions

PAYS allows you to install energy-efficient upgrades with little to no upfront cost! Ameren Missouri knows that many people want to be more energy efficient and comfortable in their homes, but the cost of a large upfront investment keeps them from taking action.

Through PAYS, you can make a significant energy-saving upgrade while paying little or nothing up front. And even though you'll pay down the cost over time on your monthly Ameren Missouri natural gas bill, the energy-saving upgrade will lower your natural gas bill significantly, which means your average monthly bill will be lower than what you would otherwise have paid without the program.

After your energy-efficient project is approved by PAYS and completed, your home's energy use and total annual energy costs related to the PAYS upgrades will decrease. In addition to that lowered energy cost, you will also see a PAYS charge on your natural gas bill. The PAYS charge includes the cost of upgrade installation, as well as 3% interest and a small program close out fee. While changes in weather, or your behavior, or natural gas rates also affect your total bill, the net result is an Ameren Missouri natural gas bill that is lower than it would otherwise have been, but you now are enjoying new energy-efficient equipment. Once the cost of the project is paid off, the charge is no longer included in your bill.

Sure! Mary is an Ameren Missouri customer and is interested in lowering her natural gas bill. She may also find that her house is not comfortable - overly cold in the winter, too hot in the summer and the air seems dense and stale. These are indicators she would benefit greatly from PAYS, so she signs up on Ameren Missouri's PAYS web page. Upon approval a trained energy expert visits Mary's house to perform a no cost home assessment and determine recommended upgrades that result in the most natural gas bill savings. A program partner that Mary has selected then installs the upgrades - as an example, installs a new HVAC system, new duct work and new attic insulation.

Ameren Missouri will start to recover these costs through a fixed monthly charge added to your natural gas bill that is significantly less that the estimated average monthly savings. For example, the results of our home assessment could show that installing the recommended upgrades above will produce an initial estimated average monthly natural gas savings of $50. The PAYS charge on your bill could be no higher $40. That means the monthly bill total is now at least $10 less than it otherwise would have been, and you have a more comfortable and efficient home – all while paying off the upgrades to your home. That's Pay As You Save!

Typical upgrades include HVAC, Attic Insulation, Duct Sealing, Air Sealing, and LED Lighting.

In order to qualify, the average monthly costs (monthly PAYS charge) must be no more than 80% of the initial estimation of average monthly savings resulting from installation of upgrades.

If upgrades do not meet this eligibility criteria, customers will have an option of a co-pay to bring the final costs in line with this criteria.

Upgrade eligibility can also vary depending on existing fuel types.

All Ameren Missouri residential natural gas customers are eligible.
No. When you participate in PAYS, you are not taking out a loan or line of credit. The program does not require a credit check. It's a simple and easy way to make potentially costly energy-efficient upgrades now-while eliminating or greatly reducing the up-front costs.
To begin, complete the assessment form. Then you'll be contacted to schedule an appointment with one of our program's energy experts who will come to your home to perform a no cost home assessment. During your assessment, the energy experts will determine if there are energy-efficiency upgrades that will meet the PAYS upgrade eligibility criteria for your home. In order to qualify, the average monthly costs (monthly PAYS Charge) must be no more than 80% of the initial estimation of average monthly savings resulting from installation of upgrades.
The program initially qualifies upgrades so that the average monthly costs (monthly PAYS Charge) are no more than 80% of the initial estimation of average monthly savings resulting from installation of upgrades. That means net result is an Ameren Missouri natural gas bill should be lower than it would otherwise have been it's very likely you'll save more than you pay in PAYS tariffs. However, the PAYS program cannot guarantee a certain level of energy savings since. changes in weather, your behavior, or changes in natural gas rates also affect your total bill amount.
If the upgrades stop working at no fault to you, the program will arrange for repair or replacement, and suspend the charge if that can't be accomplished in a timely manner. Repairs needed as a result of a participant's failure to maintain the upgrades will be paid for by the participant.
Because the program is tied to the meter (and not the customer), the next renter or homeowner will enjoy the net savings from the investment and be obligated to pay the monthly charge until the costs are paid back.
Yes! However, in order to participate, your property owner must provide written consent. The property owner must agree to disclose to successor renters or prospective buyers that Ameren Missouri has made improvements that result in savings for the account holder at that site.
Yes! However, the mobile home must be on a permanent foundation (including, having the trailer hitch permanently removed) and cannot be more than 35 years old.

Our field representatives practice the following safety protocols recommended by the CDC and the state of Missouri:

  • Taking daily health screenings, include temperature check, prior to visiting customer homes
  • Frequent hand washing and use of hand sanitizer
  • Verbally confirming customers are not feeling ill, or experiencing symptoms of COVID-19, or have a positive COVID test within the last 14 days before starting work onsite
  • Wearing required personal protective equipment (PPE), including masks
  • Properly disposing of all protective gear after each site visit
  • Maintaining a distance of at least 6 feet during the time of installation and while onsite
Before renting or buying this home, ask the landlord or seller to provide you with a copy of the Notice of Tariff charge from their PAYS Participant Agreement. They are required to provide that to you in advance of your signing an agreement with them. It includes information on the benefits you'll enjoy as part of PAYS as well as your responsibilities to maintain the energy efficient upgrades and pay the PAYS charge. If you would like more specific information on the upgrades that took place on the property or your responsibilities in the program, please call 1.800.563.2105 (toll-free).
The PAYS program operates on the 80/20 rule - meaning that in order to qualify, the average monthly costs (monthly PAYS charge) must be no more than 80% of the initial estimation of average monthly savings resulting from installation of upgrades. The other 20% of the savings (often more) is seen by the customer as bill savings. If the cost is higher than 80% of savings, participants will have the option to copay - meaning pay an upfront amount in order to bring the remaining cost to the point it meets the 80/20 criteria. The copay would still be significantly less than what you would have otherwise paid upfront without the PAYS program.

There are a few things that will affect the size of your copay:

  • A home that uses less energy overall will usually have a higher copay, because there isn't as much savings to offset the cost of the upgrade. The reverse is also true - a high energy use home will see a lower copay because they'll be saving more money with the upgrades.
  • Another factor is energy intensity - or how much energy you use based on the size of your home. For instance, a 1200 square foot home that uses $2000/year in energy would likely have a higher copay than a 1200 square foot home that uses $4000/year in energy. A higher energy intensity is usually a sign of significant energy saving opportunity, which translates into more bill saving to offset the PAYS charge.
  • Equipment characteristics. Since PAYS is a program for our natural gas customers, only natural gas bill savings are used to calculate the copay. Homes that use natural gas heating will have higher year-round savings, lowering the copay.

In summary, if you think your home is struggling due to inefficient insulation or HVAC units, you'll likely be a good candidate for a low copay offer!

Contact Us

Do you have a question that’s not covered in our FAQ? Complete and submit the form below or give us a call at 1.877.215.5752.
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