Is there a reason why you are using the Neutral?
Yea, The Neutral from the RCD is the only wire I can physically get the clamp around that accounts for ALL my house usage that doesn't have the solar running through it... all other wires are too short and the clamps too big
As to the (in)accuracy.... it comes with the territory.... its assuming your voltage is fixed as you told it, and inferring the energy usage from that figure
Understand your physical constraints, and from your description I think you've got it right, but just be careful -- the ONLY time that the current going down the neutral wire is the same as the current going down the active is if you're measuring across a single phase.
If you have a three-phase system, and you're measuring past the point where the individual neutrals merge (ie, the "main" neutral), and there is current going down two or more phases, then you won't get an accurate read. In fact, if you were to have three identical resistive loads, one on each phase, then you would have zero current flowing down the neutral!
The reason for this is that, in 3 phase systems, each phase is 120 degrees out from the other. So, from the perspective of one phase, the other phases will be applying a negative voltage to the neutral bond point (with respect to neutral / "ground" voltage), and so some of the current goes 'back up' each of the neutrals of the other phases, rather than 'down' the main neutral. The maximum current the main (or any) neutral will ever have to carry is the maximum that any single phase can supply whilst the other phases are not carrying any current. The moment the other phases start carrying current they reduce the current that the main neutral has to carry.
This is why, in three-phase cabling, the neutral wire is the same cross section as the active wires. It does not have to be three times the cross-section of the actives (ie the sum of the actives' cross sections), and this is why RCDs measure active & neutral where they do.
Maybe a picture would help - see attached...