diff --git a/cmd/setup.go b/cmd/setup.go
index 357e89128..4d13266d2 100644
--- a/cmd/setup.go
+++ b/cmd/setup.go
@@ -805,7 +805,7 @@ func tariffInstance(name string, conf config.Typed) (api.Tariff, error) {
 		return nil, fmt.Errorf("cannot decode custom tariff '%s': %w", name, err)
 	}
 
-	instance, err := tariff.NewFromConfig(ctx, conf.Type, props)
+	instance, err := tariff.NewCachedFromConfig(ctx, conf.Type, props)
 	if err != nil {
 		if ce := new(util.ConfigError); errors.As(err, &ce) {
 			return nil, err
diff --git a/tariff/proxy.go b/tariff/proxy.go
new file mode 100644
index 000000000..30623b130
--- /dev/null
+++ b/tariff/proxy.go
@@ -0,0 +1,167 @@
+package tariff
+
+import (
+	"context"
+	"errors"
+	"slices"
+	"sync"
+	"time"
+
+	"github.com/evcc-io/evcc/api"
+	"github.com/evcc-io/evcc/util"
+	"github.com/jinzhu/now"
+)
+
+// CachingProxy wraps a tariff with caching
+type CachingProxy struct {
+	mu sync.Mutex
+
+	key    string
+	ctx    context.Context
+	typ    string
+	config map[string]any
+
+	tariff api.Tariff
+}
+
+var _ api.Tariff = (*CachingProxy)(nil)
+
+// NewCachedFromConfig creates a proxy that controls tariff instantiation and caching
+func NewCachedFromConfig(ctx context.Context, typ string, other map[string]any) (api.Tariff, error) {
+	tariffType := typ
+	if typ == "template" {
+		if template, ok := other["template"].(string); ok {
+			tariffType = template
+		}
+	}
+
+	p := &CachingProxy{
+		ctx:    ctx,
+		typ:    typ,
+		config: other,
+		key:    tariffType + "-" + cacheKey(typ, other),
+	}
+
+	// not cached yet, create instance
+	if data, err := p.cacheGet(); err != nil {
+		tariff, err := NewFromConfig(ctx, typ, other)
+		if err != nil {
+			return nil, err
+		}
+
+		p.tariff = tariff
+	} else {
+		log := util.NewLogger("tariff")
+		log.DEBUG.Printf("using cache: %s (start: %s, end: %s)", p.key,
+			data.Rates[0].Start.Local(), data.Rates[len(data.Rates)-1].End.Local(),
+		)
+	}
+
+	return p, nil
+}
+
+func (p *CachingProxy) createInstance() {
+	t, err := NewFromConfig(p.ctx, p.typ, p.config)
+	if err != nil {
+		t = &proxyError{err}
+	}
+
+	p.tariff = t
+}
+
+// Rates returns cached data until underlying tariff is created, then delegates to tariff
+func (p *CachingProxy) Rates() (api.Rates, error) {
+	p.mu.Lock()
+	defer p.mu.Unlock()
+
+	if p.tariff == nil {
+		if res, err := p.cacheGet(); err == nil {
+			return res.Rates, nil
+		}
+
+		p.createInstance()
+	}
+
+	res, err := p.tariff.Rates()
+	if err != nil {
+		return nil, err
+	}
+
+	if p.dynamicTariff() {
+		err = p.cachePut(p.tariff.Type(), res)
+	}
+
+	return res, err
+}
+
+// Type returns the tariff type
+func (p *CachingProxy) Type() api.TariffType {
+	p.mu.Lock()
+	defer p.mu.Unlock()
+
+	if p.tariff == nil {
+		if res, err := p.cacheGet(); err == nil {
+			return res.Type
+		}
+
+		p.createInstance()
+	}
+
+	return p.tariff.Type()
+}
+
+func (p *CachingProxy) dynamicTariff() bool {
+	return slices.Contains([]api.TariffType{
+		api.TariffTypePriceForecast,
+		api.TariffTypeCo2,
+		api.TariffTypeSolar,
+	}, p.tariff.Type())
+}
+
+func (p *CachingProxy) cacheGet() (*cached, error) {
+	res, err := cacheGet(p.key)
+	if err != nil {
+		return nil, err
+	}
+
+	// consider cache valid if it contains rates for 24 hours
+	until := time.Now().Add(24 * time.Hour)
+
+	if !ratesValid(res.Rates, until) {
+		return nil, errors.New("not enough rates")
+	}
+
+	res.Rates = currentRates(res.Rates)
+	if len(res.Rates) == 0 {
+		return nil, errors.New("no current rates")
+	}
+
+	return res, nil
+}
+
+func (p *CachingProxy) cachePut(typ api.TariffType, rates api.Rates) error {
+	return cachePut(p.key, typ, rates)
+}
+
+func ratesValid(rr api.Rates, until time.Time) bool {
+	if len(rr) == 0 {
+		return false
+	}
+
+	rr.Sort()
+
+	return !rr[len(rr)-1].End.Before(until)
+}
+
+func currentRates(rr api.Rates) api.Rates {
+	res := make(api.Rates, 0, len(rr))
+	now := now.With(time.Now()).BeginningOfHour()
+
+	for _, r := range rr {
+		if !r.End.Before(now) {
+			res = append(res, r)
+		}
+	}
+
+	return res
+}
diff --git a/tariff/proxy_cache.go b/tariff/proxy_cache.go
new file mode 100644
index 000000000..bac9108ce
--- /dev/null
+++ b/tariff/proxy_cache.go
@@ -0,0 +1,30 @@
+package tariff
+
+import (
+	"crypto/sha256"
+	"fmt"
+
+	"github.com/evcc-io/evcc/api"
+	"github.com/evcc-io/evcc/server/db/settings"
+)
+
+type cached struct {
+	Type  api.TariffType `json:"type"`
+	Rates api.Rates      `json:"rates"`
+}
+
+func cacheKey(typ string, other map[string]any) string {
+	return fmt.Sprintf("%x", sha256.Sum256([]byte(fmt.Sprintf("%s-%v", typ, other))))
+}
+
+func cachePut(key string, typ api.TariffType, rates api.Rates) error {
+	return settings.SetJson(key, &cached{
+		Type:  typ,
+		Rates: rates,
+	})
+}
+
+func cacheGet(key string) (*cached, error) {
+	var res cached
+	return &res, settings.Json(key, &res)
+}
diff --git a/tariff/proxy_error.go b/tariff/proxy_error.go
new file mode 100644
index 000000000..f3a365ddd
--- /dev/null
+++ b/tariff/proxy_error.go
@@ -0,0 +1,17 @@
+package tariff
+
+import "github.com/evcc-io/evcc/api"
+
+type proxyError struct {
+	error
+}
+
+var _ api.Tariff = (*proxyError)(nil)
+
+func (t *proxyError) Rates() (api.Rates, error) {
+	return api.Rates{}, t.error
+}
+
+func (t *proxyError) Type() api.TariffType {
+	return 0 // unknown
+}