The invention is applicable to the technical field of electric power decision-making, and provides an electric power decision-making method and device based on power utilization perception and a terminal, and the method comprises the steps: obtaining a plurality of alternative decision-making schemes; extracting a decision characteristic quantity corresponding to each decision scheme in the plurality of alternative decision schemes; inputting the decision-making characteristic quantity corresponding to each decision-making scheme into a preset power consumption perception model to obtain the customer power consumption satisfaction degree corresponding to each decision-making scheme; and taking the decision scheme with the highest customer power utilization satisfaction degree in the plurality of alternative decision schemes as a selected electric power decision scheme. According to the method, quantitative processing of the alternative decision scheme can be realized, a certain objectivity is achieved, power utilization perception of a client is also considered, and high client satisfaction can be obtained.