Stop overpaying on cable, phone, insurance, and other recurring bills. Whether you're managing your own bills or helping a parent, get personalized call scripts that tell you exactly what to say—no financial apps, no bank logins, just your phone and your bills.
Your "new customer" rate ended months ago. Companies count on you not noticing when promotional pricing expires and regular rates kick in.
Broadcast TV fees, regional sports fees, equipment charges—fees that weren't part of your original quote but quietly appeared on your bill.
Companies raise rates every year, often without clear notification. By the time you notice, you're paying significantly more than when you started.
Save money in 4 simple steps - no bank account required
Take a picture of any bill with your phone
We analyze your current bill and show you exactly where you're overpaying today
Get a word-for-word script telling you exactly what to say when you call
We monitor your bills and alert you before future rate increases or promotion expirations
Identify savings on today's bills and get alerts to prevent future overcharges
Upload any bill and immediately see where you're overpaying—expired promotions, hidden fees, or rates that have crept up over time.
We track your bills and send reminders before promotional rates expire or annual increases kick in, so you can act before you overpay.
Whether it's a current overcharge or an upcoming rate change, you get clear scripts telling you exactly what to say when you call.
One photo gives you both immediate savings opportunities and ongoing protection.
Most recurring bills have negotiation opportunities—companies would rather keep you as a customer than lose you
Promotional rates expire after 12 months. Loyalty departments have retention offers specifically designed to keep existing customers. Mention competitor pricing.
Ask about loyalty discounts, newer plans with better rates, or switching to a plan that better fits your actual usage. Many carriers offer senior-specific plans.
Request annual rate reviews, ask about safe driver discounts, low mileage discounts, and bundling options. Rates often increase gradually without notification.
Bundle with auto insurance for multi-policy discounts. Ask about security system discounts, claims-free discounts, and annual policy reviews.
Many utility companies offer senior discounts, budget billing plans, and energy efficiency programs. Some states have competitive electricity markets.
Cancellation often triggers retention offers. Consider annual plans for savings, student/senior discounts, or rotating services instead of keeping all year-round.
Request itemized bills to check for errors, ask about payment plans, financial assistance programs, and negotiate balances. Many hospitals have charity care programs.
Long-term customers can negotiate better rates. Mention competitor pricing and ask about equipment upgrade deals or contract buyouts from competitors.
Ask about senior rates, off-peak hour discounts, annual prepay discounts, or corporate partnerships. Many gyms negotiate rather than lose members.
The key: Companies want to keep customers
Negotiation isn't confrontational—it's simply asking if there are better options available. Most companies have retention departments whose job is to help you stay.
BillGuard makes it easy to support your parents from anywhere
If your parent needs help taking photos or isn't comfortable with technology, you can upload their bills yourself. They review the savings, you handle the logistics.
Receive notifications when your parent's promotional rates are about to expire or annual reviews are due. Stay informed without constantly checking in.
Whether you live nearby or across the country, you can help your parent save money without driving over or spending hours on the phone together.
Your parent stays in control. They see the savings opportunities, they make the calls, they decide what to negotiate. You're simply providing support and peace of mind that they're not overpaying. Both of you have access to the same call scripts and alerts.
How much does it cost?
We're currently finalizing pricing with early users. Join the waitlist to get launch notifications and early access pricing. We're committed to making this affordable for seniors on fixed incomes.
Do I really not need to give you my bank account?
Correct. You take photos of your bills with your phone. We analyze them and provide you with call scripts. You make the calls yourself and maintain complete control over your financial information.
What if the company says no?
Not every negotiation succeeds, but many do. Our scripts give you multiple approaches to try. Remember: it costs nothing to ask, and companies often have retention offers they'll only mention if you initiate the conversation.
Which bills work best for negotiation?
Cable/internet, cell phone service, and insurance tend to have the most negotiation flexibility. Medical bills and subscription services also often have options. The key is that competitive markets and long-term customers create negotiation opportunities.
How does bill tracking work?
When you upload a bill, we first analyze it to identify any current overcharges. Then we track important dates like promotional rate expirations and annual review periods. You'll get timely reminders by email or text before rates increase, so you can negotiate proactively.
Is this hard to use?
We're designing BillGuard specifically for seniors who want clear, simple instructions. If you can take a photo with your smartphone, you can use BillGuard. No complicated apps, no confusing menus.
When does it launch?
We're launching in 2026. Join the waitlist to be notified when we're ready. We're taking our time to build this right, with input from seniors and their families.
Can I use this to help my parents with their bills?
Absolutely. Many adult children use BillGuard to help their parents save money, especially if they live far away. You can upload bills for them, and both of you receive alerts before rates increase. Your parent still makes all the calls and decisions—you're just providing support and peace of mind.
Join the waitlist—whether you're managing bills yourself or helping a loved one.