Free tool
Bill savings calculator: what lowering your bills is worth
Updated November 5, 2026. Runs entirely in your browser; nothing you type is sent anywhere.
Enter what you pay for your recurring bills and the reduction you plan to ask for. You'll see the yearly total, what that reduction would save, and a sentence to open the call.
Before you call
- Look up the current new-customer price for your plan and one competitor's price.
- Have your account number and your current monthly total in front of you.
- Ask for the retention or loyalty department if the first rep can't change your price.
- Get the new price, the rep's name, and how long the rate lasts before you hang up.
What to say when they say no
"That's the best price we have" is where most bill calls end. The Bills Kit has word-for-word scripts for internet, phone, insurance, card fees, rent renewals and cancellations, plus Call Mode, a full-screen companion that shows your next line during the call. It's a one-time $19, with a 14-day refund policy.
Which bills are worth calling about?
Recurring bills with competitors or promotional pricing: internet, mobile phone, car and home insurance, streaming and subscriptions, and credit card annual fees. Fixed public utilities like water usually aren't negotiable, though payment plans and assistance programs may exist.
What's the best way to ask for a lower bill?
Know what a new customer pays and what a competitor charges, ask politely for the retention or loyalty department, name the price you want, and be ready to say what you'll do if they can't help. Write down the rep's name and the new price before you hang up.
Should I cancel subscriptions I barely use?
Usually. Add up each one as a yearly cost; seeing $15 a month as $180 a year makes the decision easier. You can almost always resubscribe later if you miss it.
Guidance only, not legal, financial, or tax advice. The calculator does simple arithmetic on the numbers you enter.