A practical shortlist of bills worth a second look
Save money groups your bills by category — highest cost first — and splits them into wants you could cut and everyday costs you could pay less for. Open one for written tips, a call script, and a way to edit, pause or remove the bill. No spreadsheet, no promises about what you’ll save.
Free on every plan. Eligible new accounts also start with 30 days of Pro free — no credit card.
Two lists, not one giant one
Wants you could cut. Needs you could pay less for.
Could you cut these? is bills you've marked as wants in categories like entertainment, subscriptions and gyms. Could you pay less? covers everyday costs like phone, internet, utilities and insurance — bills you're keeping, just maybe not at this price.
Open it in the live demo7 bills to review
Amounts are what you pay now, not savings.
Could you cut these?
Bills you marked as wants. Keep what's worth it, and trim or cancel the rest.
Entertainment
2- StreamPeak Plus$22/mo
- Loopcast Music$11/mo
Subscriptions
1- CrateCrate Box$38/mo
Apps & Software
1- PixelDraft Pro$15/mo
Gym & Fitness
1- IronOak Fitness$44/mo
Could you pay less?
Needs and everyday costs. A call, a switch, or a discount can often lower the price.
Phone/Internet
1- Northbell Fiber$79/mo
Utility
1- Bluewave Power Co.$61/mo
Insurance
1- Harborlight Auto Cover$96/mo
Open a bill
A quick take, then ways to save.
Each review shows the monthly and yearly cost, a short take on the bill, and numbered tips for that kind of bill — including what to say if you call, and discount groups worth asking about.
See how Beyond Payday worksSample review — StreamPeak Plus
$22/mo · $264/yr
A streaming subscription. If you’re not watching much lately, this is an easy one to pause for a season and pick back up later.
Ways to save
- Switch to the ad-supported tier if you don’t mind ads.
- Rotate: cancel, watch what you want elsewhere, come back later.
- Check if it’s bundled free with a phone or internet plan you already pay for.
Illustrative sample — fictional provider, not a real household.
Also on Bills
Track a promo price before it jumps.
Some of these same bills start cheap and don't stay that way. Tick Promotional pricing on a bill to record what it costs now, what it becomes, and when — so your forecasts use the real number and you get a heads-up first.
How promotional pricing worksNorthbell Fiber
We’ll flag this on Bills before the change lands, with time to shop around or call and ask to keep the lower rate.
Illustrative sample — fictional provider, not a real household.
Frequently asked questions
- 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 — Beyond Payday doesn't claim or track any.
- Does Beyond Payday contact my provider or cancel anything?
- No. Beyond Payday never contacts a provider, negotiates on your behalf, or cancels a service. Got a new price, Paused it and Cancelled it change the bill you saved in Beyond Payday — arrange the actual change with your provider first.
- Does AI write the tips?
- No. Our team writes every tip. 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.
- Who can use Save money?
- Anyone with permission to read bills can use it, on any plan — Free or Pro.
Save money is for informational purposes only and is not personalized financial advice. Every dollar figure shown is what a bill costs now, not a projected or guaranteed saving — actual results depend on your own choices and the offers available to you. Beyond Payday does not contact your provider, negotiate on your behalf, or cancel a service; changes you make here update the bill saved in Beyond Payday, and any change with the provider itself is yours to arrange.
See what your own bills add up to
Save money is free on every plan. Eligible new accounts also start with 30 days of Pro free — no credit card. After 30 days you keep the Free plan — no charge, no card.