Bill Savvy uses advanced AI with live internet access to research real-time rates, current promotions, and competitive alternatives — then personalizes every recommendation to your specific priorities and preferences. Premium users get automatic monthly re-research on all their bills, with alerts when new savings opportunities are found.
Add your recurring bills in seconds. Upload a photo, PDF, or enter the basics — provider, service type, and what you're paying. Then tell us what matters to you: do you want to stay with your current provider or are you open to switching? Keep the same features or willing to adjust? Your preferences shape every recommendation we make.
Take a photo of your bill or upload a PDF. Our AI extracts the key details automatically.
Stay with your provider or open to switching? Keep current features or cut to essentials? Your call — we work around your preferences.
This is where the magic happens. Our AI doesn't rely on a static database — it actively searches the internet at the moment of analysis to find today's rates, active promotions, and current competitor pricing. You always get the most up-to-date picture of what's available, not what was available last month.
Unlike tools that rely on periodic data snapshots, Bill Savvy's AI searches live sources every time you run an analysis — so you never act on outdated rates or expired promotions.
AI searches current rates in your area right now — not a database from last quarter.
Discovers today's deals, loyalty offers, and new-customer discounts from providers.
Bill Savvy doesn't generate generic recommendations. Your action plan is built around your data and your preferences — specific dollar amounts, tailored negotiation scripts for your exact provider, and alternatives ranked by how well they fit what you said matters to you.
If you told us you want to stay with your current provider and keep the same features, we lead with negotiation strategies — not switch recommendations. If you're open to alternatives, we show you the full picture ranked by value and fit.
No vague suggestions. See how much you could save per month and per year on each bill.
Talking points tailored to your provider and your situation — not generic negotiation advice.
Your personalized action plan includes tailored negotiation scripts, word-for-word talking points for calling your provider, and step-by-step switching instructions — you keep every dollar you save.
Get the exact words to say when you call — what to ask for, how to handle pushback, and when to escalate to retention.
Flat monthly subscription. No commissions, no percentage cuts, no hidden fees — unlike competitors who take 35-60% of what you save.
Savings don't stop after one analysis. Premium users have all their bills automatically re-researched every month — and you'll be notified whenever new savings opportunities are found.
Get notified when rates drop, promotions appear, or your bill creeps up unexpectedly.
See how your bills change over time and catch gradual increases before they add up.
We give you the intelligence. You keep the savings.
Bill Savvy's AI researches live savings opportunities on the bills that cost you the most every month.
Providers quietly raise rates every year. Our AI tracks live promotions and current competitive offers — and personalizes its recommendations based on whether you want to stay or switch.
Plans change constantly. Bill Savvy searches current available plans and tailors suggestions to your usage and feature preferences — not just the cheapest option.
Most people haven't shopped their insurance in years. AI analysis surfaces when you're paying above-market rates and suggests options matched to your coverage preferences.
Utility rates and available programs vary by provider and season. Our AI identifies efficiency programs, rate plan options, and budget billing opportunities that can lower your monthly costs.
Subscription costs add up fast — and providers frequently introduce cheaper tiers or bundle deals. Bill Savvy audits your subscriptions and finds where you're overpaying or duplicating services.
Gym memberships, financial services, home security, and more. If you pay for it monthly, our AI can research whether you're getting the best rate available for your situation.
Start for free with up to 2 bills. See real, personalized savings opportunities based on live data — before you spend a dime.