Lower your monthly bills without the awkward conversation
Internet, cell phone, utilities, car insurance. Settlemate audits what you're really paying, finds the savings, and negotiates with your providers on your behalf.
How it works
01
Tell us about your bills. Pick your bill types, answer a few questions, or upload a bill. "I don't know" is always an option.
02
We audit what you actually pay, including equipment fees, add-ons, and expired promos, and compare it against competitor pricing and discounts in your area.
03
We pursue the savings, from retention offers and fee removal to plan right-sizing and assistance programs, and contact providers on your behalf.
04
You review every offer and accept or decline it in the app. Nothing changes without your approval.
The bills we help you lower
Internet and cable
Retention offers, equipment fee removal, plan right-sizing, and competitor pricing pressure.
Cell phone
Cheaper plans, unused line and add-on removal, and eligibility discounts like Lifeline.
Utilities
Rate-plan optimization, assistance programs like LIHEAP, billing corrections, and payment plans.
Car insurance
Discount audits, deductible and coverage right-sizing, and competing quotes at renewal.
Why your bills creep up
Providers count on you not looking. Promo rates expire quietly, equipment fees stack up, and plans stay oversized long after your needs change. Meanwhile the savings that do exist, like retention offers, eligibility discounts, and assistance programs, only go to people who know to ask. Settlemate does the looking and the asking for you, and shows you an estimated savings potential before anything changes.
Why choose Settlemate?
Secure & private access
Log in seamlessly via Apple or Google, with all your data encrypted end-to-end and never shared without your consent.
Automatic receipt scanning
Let Settlemate parse your email to auto-detect eligible purchases (no manual entry needed).
We negotiate for you
Settlemate contacts your provider, secures the best available offer, and presents it to you to accept or decline.
Monthly bill audit
We watch for new fees, price increases, and expiring promos, and flag fresh savings as they appear.
Value Guarantee
If your membership doesn't pay for itself, we extend it at no cost until it does.
Trusted by 100K+ everyday users
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Frequently asked questions
Which bills can Settlemate negotiate?
We currently cover internet and cable, cell phone, utilities, and car insurance. Each category works differently, and we use the savings paths that actually apply to yours.
How much will I save?
It depends on your providers, plans, and area, so we don't promise a number upfront. The app shows you an estimated savings potential for your bills before anything is pursued.
Will you change my plan without asking?
Never. Every offer we secure is presented to you first, and nothing is accepted without your approval.
Can you negotiate my utility rates?
Utility rates are regulated, so no one can haggle them down. What we can do is check your rate plan, find assistance programs you qualify for, correct billing errors, and arrange payment plans.
Does this cost extra?
No. Bill negotiations are included in your Settlemate membership, covered by the Value Guarantee.
Save money the easy way, with Settlemate.
Stop overpaying and start saving. Download Settlemate and let us find what your providers won't tell you about.
