I installed one of these a few months ago:
https://shop.emporiaenergy.com/
You're able to monitor individual circuit usage. Both real time and cumulative. Really easy to navigate app.
I have 2 super high efficiency AC/ Heat pumps and ECM motor furnaces. 2nd floor furnace has 2 zones. Since installing the monitor on May 30, Cumulative energy consumption is as follows:
2nd floor furnace: 154kWh. 2nd Floor heat pump/ AC: 371kWh.
Main floor/basement furnace: 191kWh. Main floor heat pump/AC: 278kWh.
I set and forget my AC at 20.5- 21.
2nd floor furnace has 2 zones.
My cross over point for Heat pump is 8C. So it will only run in heating mode when outside temp is greater than 8C. So there is not much energy consumption that can be attributed to the Heat pump.
My furnaces circulate air in the zones about 40 mins each hour regardless of cooling of heating demand.
So in 1.5 months I have used 994kWh. My all in cost of electricity is like $0.18/kwh.
So running ac for me in my house is $120 per month over past 1.5 months. Not a huge sample size, will be interesting to see what average cost is over june - end of september.
Interestingly my fridge used 360kwh in the same time period. This is about 3-4 times what a new one should consume. Time for a new fridge I guess.
Got new dryer and it is surprisingly low at 78kWh over same period of time.