The short version
Two services negotiate bills for you. Rocket Money charges $15 a month for Premium+ and, since November 2, 2026, takes no share of the savings. Billshark takes 40% of the savings and charges nothing if it saves none. PocketGuard's negotiation is Billshark's. Wonderful, which we make, does not negotiate: it flags a bill that comes in higher and texts you when a price goes up, which is the cue to call.
- 1
Rocket Money: A flat monthly price, with no fee on the savings
- 2
Billshark: A share of the savings and nothing if none
- 3
PocketGuard: Billshark's service, offered inside a budgeting app
- 4
Wonderful: Not a negotiator: the cue that a bill went up
- 5
Monarch Money: Not a negotiator: a list of bills and subscriptions
At a glance
| App | Negotiates for you | What it keeps | Bills |
|---|---|---|---|
| Rocket Money | Yes, on Premium+ since Nov 2, 2026 | No cut; $15 a month plus tax | Cable, phone, insurance (per a July 2026 report) |
| Billshark | Yes | 40% of savings, up to 24 months | Internet, wireless, cable, satellite radio, more |
| PocketGuard | Yes, through Billshark | Billshark's fee | Cell phone, cable, WiFi |
| Wonderful | No: flags a rise and texts you | Nothing; $99 a year for two | Any recurring bill it finds |
| Monarch Money | No negotiation described | Nothing; $99.99 a year | Lists bills and subscriptions |
How we compared
Four things decide whether a service is worth it:
- How the fee works. A share of the savings, a flat monthly price, or nothing. And for how many months the saving is counted.
- Which bills. Internet, wireless and cable are common. Insurance and rent often are not.
- What it needs from you. A bill copy, or a login.
- What you give up. A cut of a saving you could have made with one phone call.
Every fee is quoted from the service's own help page or terms, opened November 3, 2026, and numbered to its source at the end. We haven't used these services ourselves. Where a page didn't say, we say it didn't. Two are subscription apps with a bill tracker; for those, see best bill tracker apps and best free bill tracker apps. For cancelling rather than lowering, see best subscription managers.
1. A flat monthly price, with no fee on the savings
What it is
An app that finds your subscriptions, can cancel them and negotiate bills for you, and tracks spending and budgets, with a free plan and two paid ones.
Why it's on this list
Rocket Money changed its fee on November 2, 2026. Its help center says bill negotiation is now available only to Premium+ members, $15 a month plus tax, "with no added success fee." Before that date, Free and Premium members paid 35% to 60% of the first year's savings, and a negotiation already underway finishes under that older agreement.[1][2]
Two limits come with the change. Members can have one negotiation in progress at a time, and automatic renegotiations ended November 1, 2026, so you choose when to ask again. A July 2026 local news report lists the bills it negotiates as cable, phone and insurance.[1][6]
Ideal for: Someone with several bills to lower over a year who would rather pay a flat $15 a month than a cut of each saving.
What it does
- Finds recurring subscriptions in one place. On Premium, a team cancels them for you; its cost article says this usually takes 2 to 10 days. On Free you cancel them yourself.[13]
- Negotiates bills for Premium+ members with no success fee since November 2, 2026; before that the fee was 35% to 60% of the first year's savings.[13][14][15][1]
- Tracks upcoming bills, net income and spending, with automatic categories.[13]
What the old fee looked like
The fee was charged only on a successful negotiation, based on the first year's total annualized savings, and could be spread over payments weekly, biweekly or monthly for up to 12 months.[2] Pricing pages elsewhere on the web may still show the old range. Rocket Money's own pages are the ones to trust. Our Rocket Money pricing page covers the plans.
Good
- A free plan exists and covers subscription tracking, spending breakdowns and a credit score, with bill reminders per the help center.[13][14]
- Cancels subscriptions for you on Premium and negotiates bills.[13]
- Large installed base: 403K ratings on the App Store at 4.5 stars and 141K on Google Play at 4.5.[16][17]
- Premium is a sliding scale you pick yourself, with a 7-day trial.[13][14]
Not so good
- The price is not fixed: the learn article says $7 to $14 a month, the help center gives no numbers, and the App Store lists purchases from $2.99 to $9.99.[13][14][16]
- New bill negotiations need Premium+ at $15 a month plus tax (since November 2, 2026); Free and Premium members can no longer submit them.[13][14][1]
- On Free you cancel subscriptions yourself. Hands-off cancelling is Premium.[13][15]
- Budgets are not in the free plan per the cost article and help center (the FAQ still says two custom category budgets), so budgeting needs Premium.[13][14][15]
Pricing
- Free[13]FreeMobile only. Links accounts, lists subscriptions, spending breakdowns and a credit score. The cost article and help center list budgets, the bill timeline and custom categories as Premium; the FAQ still says Free allows up to two custom category budgets.
- Premium[13][14][16]Pay what you think is fair, "typically $7 to $14 per month, subject to change," per the learn article. The help center says the price varies by platform and gives no numbers. The App Store lists Premium purchases from $2.99 to $9.99 without billing periods.
- Premium+[13][14][16]$15 a monthA fixed $15 a month plus tax. Adds Rowan, an AI assistant that works through text messages, and no fee on bill negotiation.
- The help center says new Premium members get a 7-day free trial, then the subscription continues at the price chosen at sign-up. The learn article states no trial.[13][14]
- A free plan exists. It links accounts (not in real time), lists your subscriptions but you cancel them yourself, shows spending breakdowns and a credit score, and is mobile only. The cost article lists budgets and the bill timeline as Premium.[13][14]
“I selected 7 dollars per month and it still charged me for 15”Read it where it was said ↗
2. A share of the savings and nothing if none
Billshark
Price not listed· Web
What it is
A service whose staff negotiate your internet, wireless, cable and other monthly bills with the provider and take a share of what they save.
Why it's on this list
Billshark's pages say "We charge a one-time fee of 40% of your savings," and "No savings, no fee." The terms add the detail that matters: savings are counted for up to 24 months, and the fee is 40% of the Negotiated Savings. Their own example is a $100 monthly cut for 12 months, which is $1,200 in savings and a $480 fee.[3][20][21][3]
A July 2026 local news report put it at 40% over 12 months. The terms we read today say up to 24, so check the figure in your agreement.[6][3]
Ideal for: Someone with one big internet, wireless or cable bill who would rather pay from the savings than call.
What it does
- Handles internet, wireless, cable, satellite radio and "other monthly bills"; examples include home security and some utility services.[20][21]
- You upload bills or enter details and its team contacts the provider. "No provider passwords needed to start."[20][21]
- "We track your savings' expiration and automatically restart negotiations to keep you at the best rate."[20][21]
What it asks of you
You upload bills or enter details, and its team contacts the provider. The home page says no provider passwords are needed to start. The terms, however, say it may need the account's security credentials, and that its agents may tell the provider they are the account holder, which you consent to.[3] Cancelling a subscription is a flat $5 each, and late payments carry a $25 monthly fee.[3]
Good
3. Billshark's service, offered inside a budgeting app
What it is
A paid budgeting app for iPhone, Android and web that links bank accounts and shows how much is safe to spend after bills, goals and essentials.
Why it's on this list
PocketGuard's Lower My Bills page says Billshark "will negotiate with financial entities for you" on cell phone, cable and WiFi bills. It says there is no cost if nothing is saved. It states no percentage, so the fee is Billshark's: 40%, per Billshark's terms.[4][3] PocketGuard itself is a paid budgeting app with a 7-day trial.[22][23]
Ideal for: Someone who already uses PocketGuard and wants Billshark's service one tap from the budget.
What it does
- "Leftover": what you can still spend after bills, goals and essentials.[22][26]
- Budget with zero-based, envelope or category methods, with rollovers for unspent or overspent money.[22][24]
Good
Not so good
- No free plan; the app requires the trial or a paid plan.[23]
- Monthly billing is $12.99, about double the yearly rate per month.[23]
- No partner or shared login is described on the pages opened.[22][23][24][25]
- App Store reviewers in 2025 and 2026 report being charged at the start of the trial, and a trial that does not appear in App Store subscription settings.[27]
4. Not a negotiator: the cue that a bill went up
Wonderful
$14.99/mo or $99/yr· Web
What it is
A budgeting app for couples who keep their own money, and for one person: each of you connects your own bank, chooses what the other sees, and every paycheck gets a plan.
Why it's on this list
We make Wonderful, and it does not negotiate. It does not cancel anything either. What it does is find the recurring charges and subscriptions, list what's due before your next paycheck, and flag a bill that comes in higher than usual.
It also texts you by iMessage when a bill is charged twice, a price goes up or a refund lands, and you can text it questions. That text is the cue: you now know which bill rose and by how much, and you can call the provider, or send the bill to one of the services above. After a free week it is $14.99 a month or $99 a year for the household.
Ideal for: Someone who will make the call or hand the bill to a service, and wants to know when a bill goes up.
What it does
- Every paycheck gets a plan for bills, spending and saving before it lands.[31]
- Banks connect through Plaid and every charge is sorted into a category.[30][31]
- Mine, yours and ours: each charge counts for the person or the pair it belongs to.[31]
- Finds recurring charges and subscriptions, lists what's due before your next paycheck, and flags a bill that comes in higher than usual. It doesn't cancel them for you.[31]
- Texts you by iMessage when a bill is charged twice, a price goes up or a refund lands, and you can text it questions.[31]
- Savings goals show the month you'll reach them.[31]
- Net worth for each of you and for both, from the balances your banks send, with its line over time.[31]
- Life events like getting married come step by step, with the deadlines.[31]
Good
5. Not a negotiator: a list of bills and subscriptions
What it is
A paid budgeting and net worth app that pulls every account into one place and lets a partner join under the same subscription.
Why it's on this list
Monarch is here as a tracker, not a negotiator. It lists subscriptions, bills and upcoming payments, plus credit card statement balances and minimum payments. The pages we read describe no negotiation service. It costs $14.99 a month or $99.99 a year.[33][35][32]
Ideal for: Someone who wants bills and subscriptions listed with the budget and will do the negotiating themselves.
What it does
- Connects bank accounts, credit cards, loans, investment accounts and real estate, through 13,000+ financial institutions.[35]
- Tracks net worth across all connected accounts.[33][35]
Good
- A partner joins under the same subscription at no extra cost, with a separate login.[36][37]
- Two people can fund a shared goal even when their money sits in separate accounts.[37]
- Works on iPhone, iPad, Android and the web.[33][34][35]
- Rated 4.9 on the App Store (116K ratings) and 4.8 on Google Play (26.1K reviews).[33][34]
Not so good
- No free plan after the first week.[32][33]
- Paid monthly it is $14.99, which is $179.88 over twelve months, against $99.99 billed yearly.[32]
- Forecasting, several income sources and deeper investment tracking sit in the Plus tier. The App Store shows Plus at $199.99 a year; the pricing page lists no Plus price.[32][33]
- A partner sees all accounts and transactions. The couples page describes no way to keep one account private.[36][37]
Pricing
- Monthly[32][33]$14.99 a monthPricing page and App Store both show $14.99. The pricing page does not say which tier it is.
- Yearly[32][33]$99.99 a yearBilled yearly. The pricing page names two tiers, Core and Plus, but lists only these two prices.
- Yearly Plus[32][33]$199.99 a yearShown only as an in-app purchase on the App Store. The pricing page says Plus adds forecasting tools, tracking several income sources like a small business, and deeper investment tracking.
- The pricing page says "Your first week is on us." The App Store says the app is free to try for 7 days before a monthly or annual membership is billed. Neither says whether a card is needed.[32][33]
- No free plan is listed on the pricing page or the App Store. The only free access is the first week.[32][33]
The fees side by side
The two ways of paying behave differently as the saving grows. A cut of the savings costs more on a big saving and less on a small one. A flat monthly price costs the same either way.
| Service | How it charges | How long savings count | Source |
|---|---|---|---|
| Rocket Money, new requests | $15 a month plus tax for Premium+, no added success fee | Not applicable; one negotiation at a time | [1] |
| Rocket Money, before Nov 2, 2026 | 35% to 60% of the first year's savings | First year | [2] |
| Billshark | 40% of the savings, nothing if none; $5 per subscription cancelled | Up to 24 months | [3] |
| PocketGuard | Billshark's fee; PocketGuard states no percentage | Billshark's terms | [4] |
Here is the arithmetic on a $20 monthly saving, ours and not any service's claim. Billshark: 24 months is $480 saved, and 40% is $192. Rocket Money Premium+: $15 a month is $180 a year, whatever the saving, and it covers the rest of the Premium app too. Before November 2, a $20 monthly saving was $240 in the first year, and 35% to 60% was $84 to $144. On a $60 monthly saving, Billshark's cut over 24 months is $576, and the flat price is still $180 a year.
Also: Experian BillFixer
One more option is not an app on this list. Experian calls BillFixer "a free benefit included with eligible paid Experian memberships," and says you keep 100% of your negotiated savings.[5] The page does not list the membership price, which is the real cost, so check it before you count the benefit as free.
Experian lists cable, internet, cellphone, landline, home security and satellite TV or radio as eligible, and medical bills, insurance, credit cards, mortgages and rent as not. It says negotiation typically takes three to seven business days, savings are not guaranteed, and results vary.[5]
Negotiate it yourself, free
A service is doing a phone call for you. You can make the same call. Pull the last two bills, note what is new, and ask the provider what it can do about the price. A tracker that shows the bill rose gives you the date and the amount to name. Our guide to disputing a charge covers the card side.
When the problem is a mistake rather than a price, the government pages are free, and each one says what it covers:
- Phone, internet or TV billing. The FCC takes informal complaints. It asks you to try to resolve the issue with your provider first. There is no filing charge, and a provider that is served the complaint must respond in writing within 30 days.[7]
- Cable charges you never asked for. The FCC says cable operators generally cannot charge for service or equipment a subscriber did not affirmatively request.[8]
- Electric, gas and water. These go through your state commission, and rules differ by state. Maryland's says to talk to the utility first and that a utility cannot shut off service for a bill amount in dispute while the complaint is investigated, though you still owe the undisputed part. Utah's says the commission assures rates are just and reasonable, and that cable, wireless phone and internet providers are not under it.[12][11]
That last point matters for the choice. A regulated utility rate is set through the state, so a negotiator has little to bargain with. The services above work on internet, wireless and cable, where the price is the provider's to change. This is general information, not legal advice. Your state commission's page is the place for your state.
If you can't pay
If the real problem is that the bill is too high for your budget, two federal programs exist, neither with a fee to apply. Lifeline gives up to $9.25 a month off phone, internet or bundled service for eligible households, and up to $34.25 on Tribal lands. You qualify at or below 135% of the Federal Poverty Guidelines, or through programs such as SNAP, Medicaid or SSI.[9]
LIHEAP is federal assistance with home energy bills, energy crises and weatherization. Apply through EnergyHelp.us or the National Energy Assistance Referral line, 1-866-674-6327. HHS says it does not charge a fee, and that anyone offering a LIHEAP grant for a fee should be reported.[10] Do not borrow on a card to cover a bill before you have asked the provider and these programs.
How to choose
Start by sorting the bill. A mistake goes to the provider and then the FCC or your state commission. A price that crept up is worth a call yourself first. If you will not call, a service is a fair trade for a share of the savings.
Choose Rocket Money if you:
- Have several bills to lower over a year
- Want no cut of the savings
- Will pay $15 a month plus tax for Premium+
Choose Billshark if you:
- Have one large internet, wireless or cable bill
- Want to pay only if it saves money
- Accept 40% of the savings, counted up to 24 months
Choose PocketGuard if you:
- Already budget in PocketGuard
- Want Billshark's service from the app
- Accept Billshark's fee
Choose Wonderful if you:
- Will make the call yourself
- Want to know the day a bill rises
- Will pay $99 a year for two
Where Wonderful fits, and where it doesn't
If you want someone else to haggle, Wonderful is the wrong pick: it does not negotiate or cancel anything. It is the first half of the job. It flags a bill that comes in higher than usual, texts you by iMessage when a price goes up, and lists what's due before your next paycheck, so you know which call to make. It runs in the browser with no iPhone or Android app yet, and has no free plan after the trial. See free bill tracker apps, bill tracker apps and apps that cancel subscriptions.
Questions people ask
What is the best bill negotiation service?
It depends on how you would rather pay. Rocket Money charges $15 a month plus tax for Premium+ and, since November 2, 2026, takes no cut of the savings. Billshark takes 40% of the savings and nothing if it saves none. For a single large saving, the percentage can cost less. For several bills over a year, the flat price may.
How much does Rocket Money charge to negotiate a bill?
New negotiations now need Premium+, which is $15 a month plus tax, with no added success fee. Before November 2, 2026, Free and Premium members paid 35% to 60% of the first year's savings, and a negotiation already underway finishes under that older agreement. Premium+ members can have one negotiation in progress at a time.
How much does Billshark charge?
Its pages say it charges a one-time fee of 40% of your savings and nothing if there are no savings. The terms count savings for up to 24 months, so a $100 monthly cut over 12 months is $1,200 in savings and a $480 fee. Cancelling a subscription is a flat $5 each. Late payments carry a $25 monthly fee.
Is bill negotiation worth it?
It can be when the bill is large and you would not make the call. Do the arithmetic first: take the monthly saving, multiply by the months the lower rate lasts, then by the service's share. A $20 monthly saving held for 24 months is $480, and 40% of that is $192. Your own phone call costs nothing but time.
What bills can be negotiated?
Billshark lists internet, wireless, cable, satellite radio and other monthly bills, with home security and some utilities as examples. Experian BillFixer lists cable, internet, cellphone, landline, home security and satellite TV or radio, and excludes insurance, credit cards, mortgages and rent. A regulated electric or gas rate is set by your state commission, so there is usually little to haggle over.
Can I negotiate my own bills for free?
Yes. Call the provider, say what you pay, and ask what it can do. If a charge is wrong, the FCC takes informal complaints about phone, internet and TV billing with no filing fee. Your state utility commission takes complaints about electric, gas and water bills.
Do bill negotiation services need my login?
Billshark says no provider passwords are needed to start. Its terms also say it may need the account's security credentials, and that its agents may represent to the provider that they are the account holder, which you consent to. A July 2026 local news report warned that these services need bills and sometimes logins, so read each one's terms.
Does Wonderful negotiate bills?
No. Wonderful flags a bill that comes in higher than usual and texts you by iMessage when a price goes up. It does not negotiate or cancel anything for you. The flag is the cue to call the provider yourself, or to hand the bill to a service like the ones above.
Is there help if I cannot afford my phone, internet or energy bill?
Yes, from government programs. The FCC's Lifeline gives up to $9.25 a month off phone or internet to eligible households, or up to $34.25 on Tribal lands. LIHEAP helps with home energy bills, and you apply through your state or EnergyHelp.us. Neither charges a fee to apply.
What happened to Hiatus?
We left it out. Its website address now redirects to a parked-domain page, and its App Store listing describes budgets and rate-increase alerts, not negotiation. If you have used it, check your account before you rely on it.
Sources
42 sources · read November 3, 2026
Every number on this page comes from help.rocketmoney.com, billshark.com, pocketguard.com and 15 more. If a source has changed since, the source is right.
- 1Rocket Money help: Bill Negotiations is moving to Premium+help.rocketmoney.com
- 2Rocket Money help: Bill Negotiation charge explainedhelp.rocketmoney.com
- 3Billshark terms of servicebillshark.com
- 4PocketGuard, Lower My Billspocketguard.com
- 5Experian, What is Experian BillFixerexperian.com
- 6Atlanta News First, Online bill negotiators promise savings, but require personal data accessatlantanewsfirst.com
- 7FCC, Filing an Informal Complaintfcc.gov
- 8FCC, Consumer Protections for Cable Billsfcc.gov
- 9FCC, Lifeline Support for Affordable Communicationsfcc.gov
- 10HHS Administration for Children and Families, LIHEAPacf.gov
- 11Utah Public Service Commission, Complaint Processpsc.utah.gov
- 12Maryland Office of People's Counsel, How to File a Complaintopc.maryland.gov
- 13Rocket Money: How much does Rocket Money costrocketmoney.com
- 14Rocket Money help center: How much does Rocket Money costhelp.rocketmoney.com
- 15Rocket Money FAQframer.rocketmoney.com
- 16Rocket Money on the App Storeapps.apple.com
- 17Rocket Money on Google Playplay.google.com
- 18Apple public review feed for Rocket Moneyitunes.apple.com
- 19Trustpilot, rocketmoney.comtrustpilot.com
- 20Billshark home pagebillshark.com
- 21Billshark, how it worksbillshark.com
- 22PocketGuard home pagepocketguard.com
- 23PocketGuard pricingpocketguard.com
- 24PocketGuard help: Plus overviewpocketguard.com
- 25PocketGuard help: all featurespocketguard.com
- 26App Store listing, PocketGuardapps.apple.com
- 27App Store reviews, PocketGuardapps.apple.com
- 28Trustpilot, pocketguard.comtrustpilot.com
- 29Wonderful terms of servicewonderful.money
- 30Wonderful privacy policywonderful.money
- 31Wonderfulwonderful.money
- 32Monarch pricingmonarch.com
- 33Monarch on the App Storeapps.apple.com
- 34Monarch on Google Playplay.google.com
- 35Monarch home pagemonarch.com
- 36Monarch for couplesmonarch.com
- 37Monarch collaborationmonarch.com
- 38Monarch budgetingmonarch.com
- 39Monarch planningmonarch.com
- 40Apple public review feed for Monarchitunes.apple.com
- 41Monarch help: Monarch for Couples and Householdshelp.monarch.com
- 42Trustpilot, www.monarchmoney.comtrustpilot.com
App names are trademarks of their owners; Wonderful isn't connected with them. Wonderful gives general information. It isn't a financial or tax advisor.