As the above poster said, the rating on the PSU is it's maximum output. What it actually outputs matches what the computer draws, which depends on how efficient your CPU, etc are and how active they are. At idle the PC will draw a small amount but when more active (at load) it will draw more.
There's also efficiency rating of the PSU, which indicates how much energy is wasted inside the PSU. More efficient PSUs waste less, meaning that for a given output they draw less from the wall outlet.
This won't amount to huge savings on a bill either way, which isn't to say it's bad to have efficient tech for other reasons.