bill negotiation apps
Updated August 04, 2022

13 Bill Negotiation Apps That Will Help You Keep Your Monthly Costs Down

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If your bills are stacking up, you may need help fast.

There is a way that you can lower your monthly bill costs by using some bill negotiation apps.

These apps will negotiate on your behalf a lower rate on your bill, saving you big bucks over the course of a year.

Many services continue to increase your rate month-to-month, where you are almost paying double of what you signed on to pay in the first place.

When you sign up for these bill negotiation services, you will be afforded a reduced rate on your monthly bills, which can really help you put some money aside.

You can have money for other things besides bills with through bill negotiation, and save big just by using an app.

Read on to see which apps we recommend for bill negotiation and start saving on your monthly costs now.

If you want to add a little more money to your pocket, click here to see some great ways to make money from home.

1. TrueBill

With TrueBill, you’ll find many ways that you can save on your monthly bills.

Not only does this bill negotiation app allow you to lower your monthly bill costs but it also gives you a complete picture of your finances.

The app allows you to connect your billing subscriptions, which TrueBill will negotiate a lower rate with the company that is charging you.

TrueBill takes a 40 percent cut, but you will save 60 percent on what you are currently paying.

The app also provides you with a report of your finances and shows you where you can save even more.

2. Chime

If you are looking to take control of your finances, you will want to sign up with Chime.

Chime is a bank account for those that want to manage their money better and have more power over their finances.

With this app, you’ll have a complete picture of the balance in your account as well as where your money is going each month.

You will also get your paycheck two days faster and can use its debit card to make purchases that draw directly from your account.

A Chime account gives you more flexibility with your money and can help you see where you are overspending, so you can make adjustments and reduce your monthly costs.

3. Digit

The Digit app is the ideal platform to help you put money aside for that rainy day.

The app works by putting aside the money that you don’t need for the month which can easily help you save for a vacation, emergency, or to pay off a credit card.

With the Digit app, you will get a 30 day trial for free, which will allow you to try the app before you buy.

But at only $5 a month, it is a small commitment to make to save some extra cash each and every month.

This money that you set aside can also be used to pay off some looming bills without you even missing the funds in your account.

4. MoneyLion

If you are looking for a totally free way to save some money to pay off your bills, you’ll want to download the MoneyLion app.

This app is an alternative way to bank as it does not charge any monthly fees and will give you a solid look at your spending.

With MoneyLion, you’ll be able to see your financial heartbeat as it looks at how you save, spend, shield, and score.

With a complete look at your spending habits, you’ll easily be able to see where you can cut costs and reduce that bills that just seem to be stacking up.

MoneyLion also offers cashback rewards and cash advances, so you will always have the funds you need and a little extra too.

Plus, this app is totally free, so you don’t have to add another cost to your household budget month-to-month.

5. Stash

Stash is an app for those that want to make some money to pay off bills by investing.

For as little as $1, you can start investing in stocks and ETFs with no commitment and minimal risk.

The Stash app allows you to trade and buy stock as you see fit and lets you be in total control of how you make money.

With the Stash app, you will be able to learn about investing as you try it in real-time and take advantage of the education information it offers.

At only 0.25 percent per $5,000, you can make plenty of money before you have to pay into the app.

Stash is a great app for those wannabe investors that have been leery of starting buying stocks.

This app puts you in control and lets you decide what you buy, sell and trade.

6. BillShark

BillShark is a bill negotiation service that will reduce your monthly bills by negotiating what a service provider is charging you.

By sending BillShark’s sharks your bills, it will contact the companies that you have subscriptions with to get you a lower monthly cost.

The app does charge a 40 percent fee off of what you save on your monthly bills with its services, but what you will save overall will be worth it.

BillShark also allows you to see how much you will save with its services before you sign up by letting you select the company you have a subscription with first.

This will give you an estimate of what you can save just by using its app.

BillShark is a great app if you are looking to lower your monthly bills without having to spend time on the phone with each company that you owe a monthly cost to.

7. Shopkick

Have you heard of the new app Shopkick?

It literally pays you to walk into stores!  You don’t even have to buy anything — you will get paid simply for entering stores!

Of course, you will earn more points for actually making a purchase, but even if you’re just window shopping, you can still earn points.

8. Clarity Money

Clarity Money is another app that can save you money by proving financial suggestions.

It offers an in-depth look at credit card information and will help you get rid of those expenses that you don’t really need.

Clarity Money encourages its members to take action on their bills by negotiating on your behalf a lower rate.

The bill negotiation app has a relationship with a number of service providers and has been adding more at a steady clip.

Beyond lowering your monthly bills, Clarity Money also negotiates coupons, discounts, and other savings, which can help you reduce your monthly costs.

The Clarity Money app does take a 33 percent cut of your annual savings, but it is a sure bet way to save you money.

If you want a way to keep track of your money with an app, Clarity Money is for you.

By combining a financial look at your expenses and its ability to negotiate bill rates, you can really rack up the savings with this app.

9. Cushion

With the app Cushion, you certainly are able to lower your cable bill and more. Cushion has a laser beam on Comcast and will do their part to help you lower your bill with them.

The Cushion app uses a chatbot to talk to Comcast customer support for you, which we all know is a total hassle.

Cushion will negotiate your cable bill for you so you can get the best rate and lower that dreaded expense that just seems to increase each and every month.

Cushion also offers price monitoring so you can get the best deal on sites such as Amazon.

It also helps to connect your credit cards for instant rewards when you eat out too and has a nifty chat interface that allows you to cancel service that you no longer need whenever you want.

To use Cushion, it will cost you 25 percent of the cost of saving on your bills. But if it is not able to negotiate a lower price, they will not charge you anything.

Plus, the site also works as a money-tracking app so you can really see where your money is going month-to-month.

10. Hiatus

You’ll love the look of the Hiatus app as well as its functionality.

While Hiatus is a bill alert app that will notify you when your bills are due, it helps you pay those bills before the due date to avoid late penalties.

With Hiatus, you’ll be able to stop those auto-renew billing services that can take you by surprise when they go into effect and take money from your bank account without alerting you first.

Hiatus offers a free trial of the app, so you can decide if it is the right service for you.

The Hiatus app also works as a bill negotiation service, allowing you to get a lower rate on your bills without having to do the hard work yourself.

By incorporating big data technology, the app can see if your bill is higher than it should be and start the process of getting you a lower rate.

Hiatus does charge a 50 percent fee on everything that it saves you, but you will get half back on what you would have paid out in any given month.

Hiatus is a costlier bill negotiation app, but it does provide a solid way to reduce your monthly costs, making it a good choice for some consumers.

11. Prosper Daily

You may not be familiar with Prosper Daily, but it is an app that offers services such as bill tracking.

With the bill tracking service, you can keep an eye on your bills and see when they go up or hopefully down.

The app also incorporates other protection feature like scanning all your transactions to find errors, unexpected fees, and scams.

You’ll never lose a dime with Prosper Daily as it gives you location alerts, so you know if someone has used your card without your permission.

If you want even more protection of your accounts, Prosper Daily does offer additional theft security features at a cost.

The app is free and does offer basic budgeting options as well. Plus, you also get a free credit score check.

12. Billcutterz

Billcutterz is another bill negotiation service that will help you save money on your bills.

The app works by reviewing your bills and negotiating with the companies you have subscriptions with to get you a lower rate.

It does all the work for you, so you don’t have to spend your valuable time on the phone trying to persuade a company to charge you less.

Billcutterz charges 50 percent of everything that you save you on your bill  but will provide you with up to $2500 in savings it says.

Billcutterz is another app that can help you take control of your monthly costs and put you in the driver’s seat when it comes to your finances.

This is a great app if you want to cut your expenses but don’t want to put forth the effort to do so as the Billcutterz app will do it all for you.

13. BillFixers

With the BillFixers app, you’ll save big without any risk or hassle.

This bill negotiation app saves you money by negotiating your bills for you.

The service looks at your bills and starts the process of lowering your rates just by making the calls that you may have been afraid to make yourself.

With BillFixers you won’t pay anything unless the app saves you money, so there is no commitment unless it is able to lower the rate of your bills.

When the app does save you money on your bills, it will split the savings with you for the first year. After that, the savings is all yours to put in your pocket.

BillFixers makes it easy to reduce the cost of your bills without having to deal with service provider call lines that can suck your time and energy.

Wrap Up

As you can see, there are plenty of ways that you can negotiate the cost your bills using a bill negotiation service.

These apps make it easy to start saving money on your bills and will ensure you get the lowest rate possible on your bills.

Start putting more money in your pocket every month by using one of these bill negotiation apps today.

Have another idea on how to save money on your bills? Let us know. We want to hear from you.


Logan Allec, CPA

Logan is a practicing CPA and founder of Choice Tax Relief and Money Done Right. After spending nearly a decade in the corporate world helping big businesses save money, he launched his blog with the goal of helping everyday Americans earn, save, and invest more money. Learn more about Logan.

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4 years ago

Logan, how about
I was wondering if you had heard of them and if you would have any input on how good they are?