Open Save money (opens in a new tab) to see practical ways to pay less on your everyday bills. Could you cut these? lists bills you marked as wants; Could you pay less? lists bills you keep but may get cheaper, like phone, internet, utilities and insurance. Open any bill for tips written for that kind of bill, including what to say when you call and discounts worth asking about. The amounts are what you pay now, not promised savings.
Steps
- Choose Save money under Planning tools in the sidebar.
- Read the figure at the top. It adds up what you pay each month for the bills listed below — not a saving, and not a target. Possible duplicates are left out of it, because that would count the same money twice.
- Scan the two lists. Bills are grouped by category and run from higher to lower cost within each group. Possible duplicates appear first when two saved bills have exactly the same details.
- Select a bill to open its review. You’ll see what it costs a month and a year, a quick take, and numbered Ways to save.
- Use What to say when you call a provider. Copy puts the words on your clipboard. Discount chips show groups worth asking about, such as military and veterans, first responders, teachers, or seniors.
- Check From your bills for tips drawn from your own records, such as rotating several streaming services, getting a bundle quote, or setting a reminder before a yearly renewal.
- If the tips don’t fit the bill, choose another type under Tips for. With permission to edit bills, your choice is saved for your household; choose Match automatically to undo it.
- After your provider confirms a change, use Did anything change?:
- Got a new price records the new amount in the bill’s existing schedule. For example, an annual bill needs the new yearly price. Choose Save.
- Paused it turns the bill off in Beyond Payday so it stops counting. Confirm with Pause; you can turn it back on in Bills.
- Cancelled it permanently removes the saved bill after you confirm with Remove. It needs delete permission and does not cancel the service.
- Choose Hide for now if a bill doesn’t need another look. Use Show hidden to bring hidden bills back. Open bills opens your full bill list.
How it works
- Which bills appear: wants in Entertainment, Subscriptions, Apps & Software, Gym & Fitness, Storage Unit, Travel, and Credit Card Annual Fee go under Could you cut these? Other everyday personal bills go under Could you pay less?, including phone and internet, utilities, rent, home services, property tax, gas and car care, parking, insurance and warranties, food, personal care, clothing, kids’ activities, childcare, medical, education, tax prep, advisor fees, and pet care.
- Left out: loan and credit card payments, taxes other than property tax, savings and investment transfers, court-ordered and support payments, gifts and donations, business bills (including bills split with a business), disabled or ended bills, and missing or invalid amounts.
- Who writes the tips: every tip for each kind of bill is written ahead of time by a person. Most bills are matched to a kind by keywords in their name. For names it can’t place, Save money sends only the bill name and category to an AI model, which picks one of our written tip types. It never sees amounts or writes advice, and the choice is saved so it isn’t repeated. Household members without access to AI features see general tips for those bills instead.
- Travel tips are about future trip budgets; booked, nonrefundable travel isn’t money you can save by cancelling.
- Possible duplicates are matching saved records to check against your statements. They may be separate services, not duplicate charges.
Good to know
- The list refreshes when your saved bills change. An empty list doesn’t mean there are no other ways to save.
- Hiding is specific to your browser, account, and household. Only identifiers for hidden versions are stored, not bill names or amounts.
- Save money doesn’t read bank transactions, know which services you use, or fetch live prices or offers.
- The demo (opens in a new tab) has the same controls over fictional bills. Edits, tip choices, and hidden bills stay only on Save money. Choose Reset sample bills to restore them; changing households or reloading also resets them, and they never affect an account.
FAQ
Which bills appear?
Wants in optional categories such as subscriptions and entertainment appear under Could you cut these?, and everyday bills such as phone, utilities, insurance and food appear under Could you pay less? Loan and card payments, most taxes, savings transfers, support payments, gifts and business bills are left out.
Are the amounts savings I can expect?
No. They show what you pay now, monthly in the list and yearly inside the review. Actual savings depend on your choices and the offers available to you.
Does AI write the tips?
No. Every tip is written ahead of time by a person. For bill names that keywords can't place, AI only picks which kind of bill it is, using just the bill name and category, and you can change its choice.
What happens when I hide a bill?
Hide for now hides that version in this browser for your account and household. Show hidden restores it, and a relevant bill change can make it appear again.
Can this change my bills or cancel services?
With edit permission, Got a new price changes the recorded amount and Paused it turns the bill off in Beyond Payday; Cancelled it needs delete permission and removes only the saved record. None of these contacts your provider, so arrange any change with them first.
Who can use Save money?
Anyone with permission to read bills can use it on any plan.