The data that can be downloaded from the smart meter doesn’t break out the solar generation from the consumption, whereas sense keeps them separate. In another post recently (https://community.sense.com/t/need-a-little-help-understanding-the-data-export-from-the-web/8422/3) I shared my technique for analyzing data downloaded from Sense, though I stopped short of sharing the next step of modeling different TOU rate plans.
PG&E will do analysis for you on their website that shows what the best tariff for your usage is, but they again only see net usage, and they don’t share how they do their calculations, and you can’t model “what if” scenarios. You can see, however, large differences is costs between the plans…an indication that you really ought to be smart about which rate plan to choose…the topic of this thread.