The one-stop bill check
ioverpaid
Find out.one bill at a time.
ioverpaid is a free site that reads your bank or card statement and finds where you are paying more than you need to, with the fix for each bill.
no loginno couponsnothing uploadedshows its workfree scripts
Drop a bank statement, Quicken file, or bill here
Download it from your bank as a spreadsheet (.csv) or a Quicken file (.qfx, .ofx, .qbo). Drop each account you pay bills from; they add up. A bill on paper or as a PDF gets typed in, one line. Read on this device only. How to get it
Keep this audit one tap away.
Where households overpay
listed by what people search mostSee every option in one list, nothing to enter
Money
Bank fees and what your savings earn.
Typical $60 to $350/yr
See the top savings rates
Other options published APYs, September 2026, standard rates not promotional
Western Alliance3.8%$500 minimum. no monthly feeCIT Bank Platinum Savings3.75%$5,000 minimum. $5,000 to earn the top rateE*TRADE Premium Savings3.5%No minimum. no fees to keep it openMarcus by Goldman Sachs3.4%No minimum. no fees, no tiers to fall out ofSoFi Savings3.1%No minimum. higher with direct depositCapital One 3603%No minimum. one of the few on this list with branches
Saving scripts
Hi, I see a [the fee on your statement] of [the amount] on my account. I would like that fee waived, and I want to move to an account with no monthly fee. Which of your accounts has no fee, and can you switch me today? If they say the fee needs a minimum balance or direct deposit: "I would rather have the no-fee account. Please switch me."
I was charged a [the fee on your statement] of [the amount]. Please waive it. Please move me to your no-monthly-fee checking account. Confirm the new account has no minimum balance requirement.
Subject: Fee waiver and account change request Hello, My account was charged a [the fee on your statement] of [the amount]. Please waive this fee and switch my account to your checking option with no monthly fee and no minimum balance. Please confirm in writing once the change is made. Thank you, [Your name] [Account, last 4 only]
Debt
Cards and loans. What the balance costs you a year.
Typical $300 to $1,500/yr
See what a card or loan should cost
Other options credit union and lender published rates, no paid links
Ask your own issuer for a lower APRfreefree, five minutes, the script is on this rowLake Michigan Credit Union Prime Platinum Visaup to 18.00%Credit card. 9.75% to 18.00%, no annual fee. Open to anyone, $5 membership. Their rate sheet, 8 September 2026.First Tech Federal Platinum Mastercardup to 18.00%Credit card. 10.49% to 18.00%, no annual fee. Open to anyone through the Financial Fitness Association. Their rate sheet, 31 August 2026.Alliant Visa Platinumup to 25.74%Credit card. 13.74% to 25.74%, no annual fee. Open to anyone, but you must be a member 90 days before you can apply. Their disclosure, 15 January 2026.SoFiup to 10.99%Personal loan. 3.99% to 10.99% fixed. No origination fee stated. Open application, $5,000 minimum, and the range shown is with their autopay and member discounts applied. Their rate disclosure, 8 September 2026.Alliantup to 11.99%Personal loan. 8.99% to 11.99%. No origination fee. Open to anyone, but you must be a member 90 days before you can apply. $1,000 to $100,000. Their loan page, 8 September 2026.Discoverup to 24.99%Personal loan. 6.99% to 24.99%. No fees of any kind, in their own words. Open application, $2,500 to $40,000. Their loan page, 8 September 2026.Every card rate, with the fine printfreewhy the top of each range is the number that matters, and who is left off the listEvery lender ratefreeincluding the ones that take an origination fee off the top before you see the money
Saving scripts
Hi, I am calling about my account. I have been paying about [what interest costs you a month] a month in interest and I am looking at a 0 percent balance transfer offer from another issuer. Before I move the balance, can you lower my APR? What is the best rate you can put on this account today?
Hi. I pay about [what interest costs you a month] a month in interest on this card and have a 0 percent transfer offer elsewhere. Can you lower my APR today so I keep the balance here?
Subject: APR reduction request Hello, I have been a cardholder in good standing and currently pay about [what interest costs you a month] a month in interest. I have a 0 percent balance transfer offer from another issuer. Before I move the balance, please review my account for a lower APR and reply with the best rate available. Thank you.
Hi, I am calling about my [car or personal loan]. I am at [your rate] percent with about [what is left] left. I would rather keep the loan with you. Can you review the account for a lower rate, or tell me what refinancing it in house would look like? If they say no: "What would I need to qualify for your best rate?" Then get one outside quote and call back with it.
I have a [car or personal loan] with you at [your rate] percent, about [what is left] left. Can you lower the rate, or refinance it in house? If not, what would I need to qualify for your best rate?
Subject: Rate review request on an existing loan Hello, I hold a [car or personal loan] with you at [your rate] percent, with approximately [what is left] remaining. I would prefer to keep the loan where it is. Please review the account for a lower rate or an in house refinance, and reply with the best rate you can offer and what would be required to qualify for it. Thank you, [Your name] [Loan number, last 4 only]
Housing
Mortgage, rent, HOA. Refinance, PMI, renewal.
Typical $300 to $1,800/yr
See what to ask for, and when
Other options Freddie Mac, the Homeowners Protection Act, and each state's own assessment agency
The property tax appeal clockfreean appeal argues the assessed value, never the rate, and the clock starts when your valuation notice arrives, not when the tax bill does. Pick your state above for the deadline and the agency that runs it.Current 30-year average7.28%Freddie Mac publishes this weekly. Your own rate is on your statement; the gap is the whole question.Current 15-year average6.6%a shorter term costs more per month and far less in total interestWhat refinancing costs3%closing costs run 2 to 6 percent depending on the lender and the state, which is why the row shows a break-even in months and not just a yearly figureCancelling PMI is your right, not a favourfreewritten request at 80 percent of the original value, automatic at 78 percent (Homeowners Protection Act)Ask before the lease renews, not afterfreea turnover costs a landlord a vacant month plus make-ready, which is the whole argument. The words are on the scripts page.HOA dues have no leverfreethe association sets the fee, so the move is to ask for the budget and the reserve study once a year and read them before the vote, not to negotiate the bill
Saving scripts
Hi, I pay [what PMI costs you a month] a month in private mortgage insurance and I want to start the cancellation. Three things: 1. What address does a written cancellation request go to? 2. What balance do you hold on file, and against what original value? 3. Do you require an appraisal, and who pays for it? Under the Homeowners Protection Act the request threshold is 80 percent of the original value, and termination is automatic at 78 percent or at the halfway point of the term. This only counts in writing. The call is to get the address and the numbers they hold on file.
I pay [what PMI costs you a month] a month in PMI and want to cancel it. What address do written cancellation requests go to? What balance do you have on file, and against what original value? Do you require an appraisal, and at whose cost? I am sending the written request today.
Subject: Written request to cancel private mortgage insurance Hello, I am requesting cancellation of the private mortgage insurance on my loan. I currently pay [what PMI costs you a month] a month in PMI. Under the Homeowners Protection Act a servicer must cancel PMI on written request once the balance reaches 80 percent of the original value, and must terminate it automatically at 78 percent or at the midpoint of the loan term, whichever comes first. Please confirm in writing the balance and original value you hold on file, the date I reach each threshold, whether an appraisal or broker price opinion is required and at whose cost, and the date PMI stops being charged. My payments are current and there is no second lien on the property. Thank you, [Your name] [Loan number, last 4 only] [Property address]
Hi, my lease renews in a few months. I have been here a while and pay [your rent] a month, always on time. I want to stay. Comparable units nearby are listing for less, and a turnover costs you a vacant month plus cleaning and listing. Can you renew me at the current rent, or lower? If they say no: "What can you do? A longer lease, a smaller increase, or a month free?" Have two nearby listings ready to name.
My lease renews in a few months. I have paid [your rent] on time for a while. I would like to renew at the current rent. Comparable units nearby are listed lower. What is the best renewal you can offer?
Subject: Lease renewal, upcoming Hello, My lease renews in the coming months. I have been a tenant for some time, paying [your rent] a month on time, and I would like to stay. Comparable units in the area are currently listed below my rent, and a turnover would cost a vacant month plus make-ready. I am asking to renew at the current rent, or a modest adjustment, ideally on a longer term. Please let me know what you can offer. Thank you, [Your name] [Unit]
Hi, I want to look at appealing the assessment on my property. Three things: 1. What is the appeal deadline for this cycle? 2. Please send me the property record card for my parcel, so I can check the square footage, room count and features you have on file. 3. What form does the appeal go on, and does it go to your office or to the board? I am checking your own record for errors before I file anything. Most successful appeals start on that record card: a bathroom or a few hundred square feet that were never there.
I want to appeal my property assessment. What is the deadline for this cycle? How do I get the property record card for my parcel? Which form does the appeal go on, and to which office? I want to check your record for errors before filing.
Subject: Property record card and appeal deadline request Hello, I am the owner of the property below and I am reviewing my assessment. Please send me a copy of the property record card for the parcel, confirm the appeal deadline for the current cycle, and let me know which form the appeal must be filed on and where it should be sent. If they are available on request, I would also like the assessed values used for comparable properties on my street. Thank you, [Your name] [Property address] [Parcel or folio number]
Car insurance
The loyalty penalty. A requote is the whole lever.
Typical $200 to $700/yr
See who writes car insurance where you live
Other options state insurance regulators, every link loaded 8 September 2026, no paid links
Look up any insurer (NAIC)freecomplaint history and licence status, company by company, free and nationalYour state insurance departmentfreecomplaint history and licensed carriers in your stateAsk your current carrier to requotefreefree, and the script is on this rowTwo outside quotes before you decidefreethe loyalty penalty only shows up next to someone else's price
Saving scripts
Hi, my [car or home] policy renews soon. I have been with you a while and pay [what you pay now] a month. I am getting quotes from other carriers. Before I do, can you rerun my policy for every discount I qualify for, and tell me the best rate you can offer today? Ask: "Is there a loyalty, bundle, paid-in-full, or low-mileage discount I am not on?" Then get two outside quotes and call back with the lowest one.
My [car or home] policy is up for renewal. I pay [what you pay now] a month and have been a customer a while. Please rerun my policy with every discount I qualify for. What is the best rate you can offer today? I am comparing quotes this week.
Subject: Renewal review request, policy pricing Hello, My [car or home] policy is approaching renewal. I have been a customer for some time and currently pay [what you pay now] a month. Before I compare quotes from other carriers, please review my policy for every discount I qualify for (loyalty, bundle, paid in full, low mileage, safety features, claims-free) and send me your best renewal rate. Thank you, [Your name] [Policy number, last 4 only]
Home insurance
Deductible, roof age, and the bundle you may not have.
Typical $150 to $900/yr
See who writes home insurance where you live
Other options state insurance regulators, every link loaded 8 September 2026, no paid links
Look up any insurer (NAIC)freecomplaint history and licence status, company by company, free and nationalYour state insurance departmentfreewhich carriers still write policies where you liveIBHS Fortified, what actually earns a creditfreenon-profit, no products soldRaise the deductible and repricefreethe one lever entirely inside your control
Saving scripts
Hi, my [car or home] policy renews soon. I have been with you a while and pay [what you pay now] a month. I am getting quotes from other carriers. Before I do, can you rerun my policy for every discount I qualify for, and tell me the best rate you can offer today? Ask: "Is there a loyalty, bundle, paid-in-full, or low-mileage discount I am not on?" Then get two outside quotes and call back with the lowest one.
My [car or home] policy is up for renewal. I pay [what you pay now] a month and have been a customer a while. Please rerun my policy with every discount I qualify for. What is the best rate you can offer today? I am comparing quotes this week.
Subject: Renewal review request, policy pricing Hello, My [car or home] policy is approaching renewal. I have been a customer for some time and currently pay [what you pay now] a month. Before I compare quotes from other carriers, please review my policy for every discount I qualify for (loyalty, bundle, paid in full, low mileage, safety features, claims-free) and send me your best renewal rate. Thank you, [Your name] [Policy number, last 4 only]
Health
Premiums and prescriptions. Prices, never medical advice.
Typical $100 to $800/yr
See the dates, and where to check a price
Other options HealthCare.gov and Medicare.gov, read 28 September 2026, plus the prescription sources, no paid links
Marketplace open enrollmentopens 1 Novopen 1 November to 15 January. It is the only window to start or change a plan for 2027 without a qualifying life event, so the date is the lever. HealthCare.gov hands you to your own state's marketplace if it runs one.See plan prices before you applyfreezip, age and income, no account and no application, and the price it shows already has any savings you qualify for taken offMedicare open enrollmentopens 15 Octopen 15 October to 7 December. Join, drop or switch an Advantage or drug plan. A plan that suited you last year can change its own price and its drug list for the next one, which is why this window matters even if nothing about you changed.Compare Medicare plans against your own drugsfreethe official finder prices every plan against the medicines you actually take, which is where the difference usually isCost Plus Drugs cash pricesfreeno publisher program exists, so this link can never be paidGoodRx cash-price couponsfreefree coupon prices at nearby pharmacies; look up your exact drug and quantityAsk the pharmacist for the cash pricefreefree, and often lower than an insured copay on generics
Saving scripts
Hi, I pick up a prescription with you and I am trying to lower what I pay. Three questions: 1. Is there a generic of this? 2. What is the cash price without running my insurance? 3. Can it be filled 90 days at a time instead of 30? I am not asking to change the medication, only what I pay for the same one. If the cash price is lower than my copay, please run it that way.
I want to lower what I pay for a prescription I already fill with you. Is there a generic of it? What is the cash price if you do not run my insurance? Can it be filled 90 days at a time instead of 30? Same medication either way, I am only asking about price.
Subject: Cash price and 90 day fill on an existing prescription Hello, I fill a prescription at your pharmacy and would like to reduce what I pay for the same medication. Could you tell me whether a generic is available, what the cash price would be without insurance, and whether it can be dispensed in a 90 day supply rather than 30. I am not asking for any change to the medication itself. Thank you, [Your name]
Hi, I have a bill for [the amount on the bill] from [the hospital or clinic]. Before I pay it, three things: 1. Please send a fully itemized bill with the procedure codes, not the summary. 2. Please confirm this was billed to my insurance, and what they paid or denied. 3. Please send your financial assistance policy and the application form. I am not disputing the care. I want to see what I am being charged for, and whether I qualify for assistance, before I set up payment. If they press for payment today: "I am not refusing to pay. I am asking for the itemized bill first."
I have a bill for [the amount on the bill] from [the hospital or clinic]. Please send a fully itemized bill with procedure codes. Was this billed to my insurance, and what did they pay? Please send your financial assistance policy and application. I am not disputing the care, only asking to see the charges first.
Subject: Request for itemized bill and financial assistance policy Hello, I received a bill for [the amount on the bill] from [the hospital or clinic]. Before arranging payment I am requesting the following: 1. A fully itemized statement showing each charge with its procedure code, rather than a summary balance. 2. Confirmation of what was billed to my insurance and what was paid or denied, with the reason for any denial. 3. A copy of your financial assistance or charity care policy, and the application form. I am not disputing the care I received. Please hold collection activity on this account while the itemized bill and the assistance application are outstanding. Thank you, [Your name] [Account number, last 4 only] [Date of service]
Gas and EV Live
True cost per gallon, gas vs EV. Powered by PumpWatt.
Typical $100 to $400/yr
Pump prices move daily and vary by station. PumpWatt does that live.
Open pumpwatt.comPhone
What your lines cost against the data you actually use.
Typical $180 to $700/yr
See the cheapest alternatives
Other options carrier published list prices, September 2026
Tello Economy$10/line2GB, T-Mobile. cheapest real plan if you barely use dataMint Mobile 15GB$20/line15GB, T-Mobile. paid 12 months up frontTello Unlimited$25/lineunlimited, T-Mobile. month to month, no contractVisible$25/lineunlimited, Verizon. Verizon network, one line onlyUS Mobile Dark Star$25/lineunlimited, Verizon. 20GB hotspot, can switch networksMint Mobile Unlimited$30/lineunlimited, T-Mobile. $15 intro, $30 at renewal
Saving scripts
Hi, I am looking at my bill. I pay [what you pay now] a month for [your plan]. I would rather stay. What can you do on price or plan today? If they offer a promo: "Is that permanent or 12 months? What is it after?" If nothing: "Okay, please transfer me to cancellations." The cancellations team has the real offers.
I want to review my plan. I pay [what you pay now] a month for [your plan]. What is the best rate you can put me on today? Is that permanent or promotional? If nothing is available, please transfer me to the cancellation team. Tip: send one line at a time. Bots skip long messages.
Subject: Request to review my plan pricing Hello, I have been a customer for some time and currently pay [what you pay now] a month for [your plan]. I would prefer to stay. Please let me know the best rate or plan you can offer, and whether it is permanent or promotional. If no change is possible, please advise on the cancellation process. Thank you, [Your name] [Account number, last 4 only]
Internet and TV
Broadband and the TV bill, which is the one most households can halve.
Typical $120 to $900/yr
See the cheapest published plans
Other options carrier published list prices, checked 8 September 2026
T-Mobile Rely Home Internet$50/mo5G fixed wireless. taxes and fees included with AutoPay, no contract, gateway included
T-Mobile Amplified Home Internet$60/mo5G fixed wireless. Wi-Fi 7 gateway included, no contract, unlimited
Verizon 5G Home$60/mo5G fixed wireless. router included, no contract, unlimited; less with a Verizon mobile plan
T-Mobile All-In Home Internet$70/mo5G fixed wireless. premium gateway, taxes and fees included with AutoPay
Verizon 5G Home Plus$70/mo5G fixed wireless. router included, no contract, unlimited premium data
Who serves your address (FCC map)freeevery provider has to report, so this is the only complete list for a given addressRead the provider's broadband labelfreeprice, fees and the date an intro rate expires, required by FCC ruleSaving scripts
Hi, I am looking at my bill. I pay [what you pay now] a month for [your plan]. I would rather stay. What can you do on price or plan today? If they offer a promo: "Is that permanent or 12 months? What is it after?" If nothing: "Okay, please transfer me to cancellations." The cancellations team has the real offers.
I want to review my plan. I pay [what you pay now] a month for [your plan]. What is the best rate you can put me on today? Is that permanent or promotional? If nothing is available, please transfer me to the cancellation team. Tip: send one line at a time. Bots skip long messages.
Subject: Request to review my plan pricing Hello, I have been a customer for some time and currently pay [what you pay now] a month for [your plan]. I would prefer to stay. Please let me know the best rate or plan you can offer, and whether it is permanent or promotional. If no change is possible, please advise on the cancellation process. Thank you, [Your name] [Account number, last 4 only]
Utilities
Electric, water, trash against your own state's average.
Typical $100 to $500/yr
See what power costs where you live
Other options EIA Electric Power Monthly, Table 5.6.A, residential, June 2026
Saving scripts
Hi, I am calling about my account. I worked out that I paid about [your cents per kWh] cents per kWh last month, and the national average is about 18.34. Can you check whether I am on the best rate plan for my usage? Please also list any time-of-use or budget billing options, and confirm the meter reading was actual, not estimated.
Hi. Last month my bill worked out to about [your cents per kWh] cents per kWh, above the 18.34 cent national average. Which rate plans am I eligible for, and was last month's reading actual or estimated?
Subject: Rate plan review, account holder Hello, Last month my bill came to about [your cents per kWh] cents per kWh, above the 18.34 cent national average. Please tell me which rate plans I am eligible for (time-of-use, budget billing, or any lower tier) and confirm whether last month's meter reading was actual or estimated. Thank you.
Subscriptions
What you stopped opening, ranked by dollars.
Typical $200 to $700/yr
See the cheapest tier per service
Other options each service's own plan page, checked 8 September 2026
Netflix$8.99/moStandard with ads. You give up ads during most shows and films.
Paramount+$8.99/moEssential. You give up Showtime titles and your local CBS live feed.
Peacock$8.99/moSelect. You give up a good deal of the catalogue, so check it still carries what you watch.
Prime Video$8.99/mostandalone with ads. You give up ads.
YouTube Premium$8.99/moLite. You give up background play and ad-free YouTube Music.
Max$10.99/moBasic with Ads. You give up ads.
Disney+$11.99/moWith Ads. You give up ads on most titles.
Hulu$11.99/moWith Ads. You give up ads.
Saving scripts
Hi, I would like to cancel [the subscription], effective today. Please confirm the cancellation and send written confirmation to my email. If they offer a discount: "Thanks, no. Please proceed with the cancellation." If they say it must be done online: "Please give me the exact page, and note on my account that I requested cancellation today."
Please cancel my [the subscription] subscription effective today. I do not want a pause or a discount. Please confirm the cancellation date in this chat. Please email me written confirmation. Tip: screenshot the confirmation before closing the chat.
Subject: Cancellation request, effective immediately Hello, Please cancel my [the subscription] subscription effective today and stop all future charges. I do not wish to pause or move to a different plan. Please reply with written confirmation of the cancellation and the final billing date. Thank you, [Your name] [Email on the account]
Groceries
Warehouse membership math. Store price data is not built yet.
Typical $400 to $1,500/yr
Check your spend and your club tier
The federal moderate-cost plan runs $742 to $877 a month for 2 adults, and lower if any of them are children. Type what you spend and the site places you. Source: USDA moderate-cost plan, July 2026.
Executive is $130 a year against $65 for the base membership, and pays 2 percent back. It starts paying for itself above $271 a month at that club. Type what you spend and the site does the rest.
Whether the club beats Aldi or Publix on shelf prices is a different question, and the site does not have that data.
Free membership comparison
Other options each chain's own loyalty program page, 18 September 2026
AldiNone neededNo loyalty program at all. Everyday low pricing applies to every shopper.
Trader Joe'sNone neededNo loyalty program. Prices are the same for everyone at the register.
PublixNone neededNo card or app needed. Weekly BOGO deals apply to every shopper.
H-E-BNone neededNo loyalty card. Everyday low pricing, nothing to sign up for.
WegmansNone neededNo loyalty card. Everyday pricing, nothing to sign up for.
KrogerFreeKroger Plus Card or the free app unlocks weekly digital coupons and fuel points.
Safeway / AlbertsonsFreefor U rewards, free, one account across the Albertsons family (Safeway, Vons, Jewel-Osco, Acme and others).
TargetFreeTarget Circle, free, app-based, personalized deals and 1 percent back.
WalmartFreeWalmart Rewards, free, app-based. Separate from the paid Walmart+ membership.
MeijerFreemPerks, free, card or app, digital coupons and rebates.
Food LionFreeMVP Card, free, unlocks weekly sale prices at the register.
Giant EagleFreeAdvantage Card, free, fuelperks and weekly deals.
Winn-DixieFreeWinn-Dixie Rewards, free, digital coupons and fuel rewards.
SproutsFreeSprouts Rewards, free, app-based, personalized deals.
Whole FoodsPaidDiscounts require an Amazon Prime membership. No free stand-alone program.
Costco / Sam's Club / BJ'sPaidMembership required just to shop. See the Warehouse clubs row above.
Where store brand is the safest swap
Other options ranked by how likely the swap is to taste or work the same, not by price
Milk, eggs, butter, cheeseLow riskDairy runs through the same handful of processors regardless of label. Store brand is frequently the identical product in different packaging.
Canned and frozen vegetables, beans, brothLow riskPacked the same way across brands. The lowest-risk swap on this list.
Flour, sugar, salt, baking soda, spicesNo differenceCommodity ingredients with no brand difference to taste.
OTC pain relievers, allergy pills, antacidsSame drugThe FDA requires the same active ingredient at the same dose. Compare the active-ingredient line, not the brand name.
Bread and frozen pizzaTry it firstMore variation here. Worth a one-time taste test before committing.
Cereal, soda, coffee, snack chipsTaste callWhere brand loyalty is most noticeable. Smallest expected saving, and a personal call rather than a rule.
AI and Software Live
Paid AI and software seats with a free path. AI routing by Pivvi.
Typical $120 to $600/yr
Which free tool replaces a paid seat depends on the task, which is the job Pivvi does.
Open pivvi.appFree scripts
one on every bill above, and all twelve together here
All twelve, in chat and email too
Twelve situations, three channels each. Every bill above carries its own, in the phone version. Run the audit and the site fills them in from your own statement, on the row each one belongs to.