Abstract: An apparatus, system, and method are disclosed for calibrating algorithms for determining electrical load and lifestyle characteristics. A model creation module creates an electrical usage model that includes an electrical device usage model for each electrical load assumed to be at simulated premises (an assumed load set). The simulated premises include characteristics from actual premises within an area serviced by an electric utility. A simulation module simulates a number of simulated electrical usages for a number of assumed load sets at the simulated premises. A load prediction module determines if a particular type of load is present within each simulated premises using a load prediction algorithm that includes algorithm parameters. An accuracy module determines an accuracy of the load prediction algorithm and an adjustment module adjusts the algorithm parameters of the load prediction algorithm in response to the determined accuracy.