Most people overpay on internet, phone, and insurance, because shopping quotes and calling is a pain. We do the shopping and the calling, you approve every change, and you keep every dollar.
Thank you. That genuinely shapes what gets built first.
You are not imagining it
A household carries more bills than anyone remembers signing up for, each with its own plan, its own promo, its own renewal clock.
“Companies with a subscription model take advantage of their customers because they know people are too preoccupied with other things in their lives to take the time and negotiate/change contracts.”Real post from a personal-finance forum · r/Frugal
How it works
Pick a bill to see how it goes:
The plan, the price, the fine print. Say: 800 Mbps at $89, since the promo quietly expired.
A couple of plain questions about what you actually use, then quotes from every provider at your address. Right-sizing the plan is where the real money is, not just the same plan cheaper.
One clear proposal: what changes, what it saves. Nothing moves without your yes. Then we negotiate or switch for you, or hand you a script to call yourself.
Every line, every add-on. Say: four lines at $140, two of them barely using data.
Who streams all day, who lives on wifi. The plan that fits today's use, compared across carriers, including your carrier's own current offers.
One proposal: what changes, what it saves. Nothing moves without your yes. Then we negotiate with your carrier or set up the switch, and your numbers stay.
Coverage, deductibles, drivers. Most policies were sized years ago, for a different household.
Who actually drives now, and how much. A comparison across insurers, right-sized to today.
One comparison: what to change, what it should save. Nothing moves without your yes. Requesting the final quotes needs state licenses we don't have, so each call or form comes prepped: what to ask, the numbers in hand. Ten minutes.
What's covered, against what your home is worth today. Renewals ride autopilot for years.
The roof, the alarm, the renovation nobody told the insurer about. A comparison across insurers, right-sized to today.
One comparison: what to change, what it should save. Nothing moves without your yes. Final quotes need state licenses we don't have, so we hand you each one prepped and ready before the renewal date, not after the jump.
Every service on the card. Say: four services at $63, one actually watched.
The shows, not the apps. Drop, rotate, or bundle, retention offers included.
One proposal: what changes, what it saves. Nothing moves without your yes. Then we handle the cancellations and downgrades, and time the rotations so nothing you love goes dark mid-season.
Monitoring, hardware, the contract. Loyalty is priced against you here.
The monitoring you use, the hardware you already own. Competitors at your address, and your provider's own retention desk.
One proposal: what changes, what it saves. Nothing moves without your yes. Then we negotiate the match with your provider, or set up the switch.
Who this is for
The money nerd
You run your money well, and no dollar gets left behind. This would take you hours; it takes us none of yours.
Every dollar found stays yours. Every decision too.
The busy parent
Phone lines for everyone, two insurances, daycare, internet. It never gets to the top of the list.
It finally gets done, without costing you an evening.
The Time > Money
Your hours are worth too much for hold music. Not a reason to give a carrier $100 a month.
Delegate it, like everything else. You just approve.
The call-hater
Not the money, not the time. You just cannot face haggling your way past someone paid to say no.
You may never make one of these calls again.
Why us
Bill services take a cut of what they save you. Rocket Money keeps 35 to 60% of your first year. BillShark takes 40% over two years. Lower a $600-a-year phone bill and that's $240 to $480 gone. We charge $9. Once. If we can't lower it, you pay nothing.
Free money apps have to earn somewhere, usually your data, or a commission from the very companies they claim to compare. Both bend the advice against you. NerdWallet's own app even labels its promotions “creates a conflict of interest.” We take neither. Our only income is your $9, so we have nothing to sell and no one to please but you. And that isn't just a promise: it's written into the founding papers of Don't Be Evil, the public benefit company behind Gentle Finance, so we can be held to it.
We want you genuinely glad you used Gentle Finance. If for any reason you're not, we'll give back what you paid, no questions, any time in your first 90 days.
Early access
Gentle Finance is being built now; early access opens gradually, and joining the list holds your place. When we launch: $9 for each bill we lower, nothing when we can't, and every dollar saved stays yours.
Thank you. That genuinely shapes what gets built first.