Monthly expenses going up? Need to find ways to start saving money? Let the Bill Negotiator build you a plan and a call script when negotiating with customer service representatives to help lower your monthly costs

Enter your monthly bills — internet, streaming, insurance, mobile — and see what you're overpaying, what similar plans actually go for, and exactly what to say on the call to lower them.

See your number — free Read a real script
4 bill types: internet · streaming · insurance · mobile Provider benchmarks checked Oct 30, 2026 Scripts in 3 tones, with pushback answers $29 one-time unlock — no subscription

Your bills

Add a bill and get your negotiable estimate instantly. Free: up to 3 bills and one full script. Everything stays in your browser.

A real script, from a real bill

This is an actual script the Bill Negotiator generated for a real Hulu bill — $12 a month, with a fair target of $9.99 from the current promo range. Small bill, same method that works on a $110 internet bill.

Hulu — streaming · paying $12/mo · target $9.99/mo · saves $24.12/yr

Opening

Hi, I'm reviewing my subscriptions and Hulu at $12 a month is on my cut list. Before I cancel, I wanted to ask: is there a lower tier, an annual plan, a bundle, or a retention offer that brings this down? I'd rather keep it at the right price than cancel it.

Your leverage

Here's my reference point: the typical promo range for Hulu ($9.99–$18.99/mo for With ads / No ads, checked 2026-10-30 — varies by ZIP). That puts a fair price around $9.99 a month — $2.01 less than I'm paying now, which is $24.12 over a year. I'm not looking to switch if we can meet in that range today.

The ask

Is there any way you can get me to about $9.99 a month? Even a monthly credit for 12 months, a loyalty discount, or moving me onto the current promotion would work — I just need the total to land in that range.

When they push back

They say: "That's the best price available."
You say: "I understand that's the standard price. I'm asking about retention pricing specifically — I know it exists because new customers are offered it. Can you check with a supervisor, or transfer me to the loyalty team?"
They say: "That promo is for new customers only."
You say: "That's exactly why I'm calling. It costs far more to win a customer back than to keep one. I'd rather stay — can you apply the new-customer rate as a loyalty match, or add a monthly credit that gets me to the same total?"
They say: "I can offer a small one-time credit."
You say: "Thank you — a one-time credit helps this month, but my concern is the ongoing rate. Can we make it a recurring monthly credit for 12 months instead, and note the account for a rate review before it expires?"
They say: "There's no retention discount for streaming."
You say: "Understood — then help me downgrade instead: what's the cheapest tier or annual plan that keeps what I watch, and is this service already included in any bundle, phone plan, or credit card I might have? If not, please go ahead and cancel before the next renewal."

Closing

If we agree on a new price: "Great — please confirm the new total including all fees and taxes, the date it takes effect, how long it lasts, and email me that confirmation while I'm on the line. My reference number for this call is…? Thank you."

How it works

1. Add your bills

Provider, plan, and what you pay. Thirty seconds a bill, all in your browser.

2. See your number

Each bill is matched against current promotional ranges, so you get a fair target price and the size of the gap.

3. Make the call

Read the script — opening, leverage, the ask, and a ready answer for every pushback. Log the result and watch the savings add up.

Pricing

Start free. Unlock everything for one payment when you're ready to work the whole list.

See your number

$0
  • Add up to 3 bills
  • Your total monthly spend and negotiable estimate
  • One full negotiation script, yours to use
  • No account, no card
Start free

Full unlock

$29 one-time
  • Negotiation scripts for every bill, in three tones, with pushback responses
  • Unlimited bills + the savings tracker
  • Promo-expiry and price-cliff flags on every provider
  • Benchmarks re-checked daily
  • Yours for good — no subscription
Unlock for $29

After payment, your unlock code appears on the Stripe confirmation — enter it in the tool above.

If one call wins you $3 a month, the unlock has paid for itself. Most internet bills alone are carrying $20–$40 a month of expired-promo pricing.

Your bills never leave your device. Everything runs in your browser — nothing is uploaded, stored, or sold.

Benchmarks are typical advertised promotional ranges, checked daily and dated on the page. Rates vary by ZIP and provider — they're a negotiating anchor, not a quote.

Questions

How does Bill Negotiator work?

You enter your monthly bills — provider, plan, and what you pay. The tool compares each bill with typical advertised promotional ranges for that provider and plan type, shows you a fair target price, and writes you a word-for-word call script, including answers to the pushbacks retention agents use.

Do you make the call for me?

No. Bill Negotiator gives you the plan and the script; you make the call yourself, so your account details never leave your hands. Most retention calls take 10–15 minutes.

Where do the comparison rates come from?

They are typical advertised promotional ranges for each provider, checked and dated on the page. Rates vary by ZIP and provider, so treat them as a negotiating anchor, not a quote.

Is my bill information uploaded or stored?

No. Your bills never leave your device. Everything runs in your browser — nothing is uploaded, stored on a server, or sold.

What does the $29 unlock include?

Scripts for every bill in three tones with pushback responses, unlimited bills, the savings tracker, promo-expiry and price-cliff flags on every provider, and benchmarks re-checked daily. It is a one-time payment — no subscription.