Find ways to save on your bills

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. Bill amounts are what you pay now. Potential savings is a rough estimate, not a promise.

Steps

1. Choose Save money under Planning tools in the sidebar.
2. Read the two cards at the top. What you pay a month adds up what you pay for the bills listed below (possible duplicates are left out, because that would count the same money twice). Potential savings is a rounded estimate of what you could save: Wants you rated Cut first count in full, Question it counts half, Could you pay less? bills count 10%, and each extra copy of a possible duplicate counts in full; unrated wants and wants you keep count as $0. While wants are unrated and nothing counts yet, the card says Rate your wants instead; tap it to open the rating popup. A bill split with a business counts only its personal share. Tap the ⓘ to see how it's worked out.
3. Under the cards, a banner shows how many wants aren't rated yet. Choose Rate wants to rate them in a popup if you like (see Rate which bills are worth it). Then scan the two lists. Could you cut these? runs lowest value first, then highest cost. Could you pay less? is grouped by category, higher to lower cost within each group. Possible duplicates appear first when two saved bills have exactly the same details.
4. 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.
5. 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.
6. 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.
7. If the tips don’t fit the bill, choose another type under Tips for. With permission to update Save money and edit bills, your choice is saved for your household; choose Match automatically to undo it. Without both, the choice only applies on this screen and isn’t saved.
8. 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.
9. 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 of the tips: loan and credit card payments, taxes other than property tax, savings and investment transfers, court-ordered and support payments, gifts and donations, business bills (a bill split with a business stays in, at its personal share), 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. This AI step is part of Pro (and the free trial); on the Free plan, for child accounts, and for household members without access to AI features, those bills get general tips instead. If you haven’t allowed AI data sharing, those bills get general tips too, and an Allow AI tips button asks before anything is sent (see Turn AI data sharing on or off).
• 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

• Opening Save money needs a household permission of its own, plus read access to bills. Owner and spouse have it by default; a child needs it granted from Custom permissions. Without it, the menu shortcut is hidden and the page asks for access instead of loading. A child with access never sends bill names to AI.
• 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.