For UK households
Most UK households are overpaying on something. Find out what yours is.
Energy, broadband, insurance, forgotten subscriptions — the money leaves quietly every month and nobody sends you a warning. Answer a few questions, or drop in a statement, and see how many areas are costing you more than they should.
Nothing is saved or stored
Your budget details and bank statements are processed securely and never kept on our servers. No account, no database of your data, no tracking after you close the page.
Option 1 · about 3 minutes
Start assessment
Tell us what comes in and what goes out. Before you pay a penny, we show you how many areas look like overpayments and roughly what they're worth.
Start assessment →
Option 2 · about 30 seconds
Use bank statement
Drop in a PDF or CSV statement. It's read on your own device, and you'll see what we've spotted before deciding whether to unlock the detail.
Use bank statement →
Option 3 · no forms
Talk it through
Prefer to chat? Answer a few simple questions and our money coach builds your budget for you as you go, then shows what it's spotted.
Talk it through →
What you get back
A spend breakdown
Every category, what's normal, and what's costing you more than it should.
Ranked savings actions
Biggest wins first, each with a realistic monthly figure and how much effort it takes.
Where to save it
Best-rate easy access, regular savers and ISAs from banks and building societies, plus comparison links.
How it works
- 1
Enter your figures
Rough monthly numbers, or a statement you already have. Takes a few minutes and costs nothing.
- 2
See what we've spotted
Free of charge, we show how many areas look like overpayments and an estimated monthly range.
- 3
Unlock the full detail — £4.99
£4.99 one-off for lifetime access to your report. Non-refundable once generated.
Less than a cup of coffee. Less than a single takeaway. Less than most people lose behind the sofa each month.
- Anchoring: a face-to-face money review can cost £200+.
- Daily cost: about 0.01p/day if you keep the report for a year.
Total one-off
£4.99
lifetime access
You see the preview first. You pay only after you've seen what's waiting. No recurring charge, no account, no data kept.
Before you start
Is there a charge?
Yes — £4.99, paid once, for lifetime access to your report. That's less than a coffee, less than a takeaway, and far less than a face-to-face money review. No subscription, nothing renews, no upsells and no data selling. Because the report is generated instantly, the payment is non-refundable once it has been produced.
What if it finds nothing useful?
You see a free preview of how many areas look like overpayments, and the estimated monthly range, before you pay anything. You only pay the £4.99 once you can see there is something worth unlocking. Most people find at least one quick win.
Why is it only £4.99?
We keep it low because the value is in the saving you find, not in the price tag. A £4.99 one-off unlocks a report you'd typically pay £50–£200 for elsewhere, and it pays for itself the moment you spot one overpayment.
Do you keep my bank statement?
No. Statements are read in your own browser and nothing is written to our servers — no account, no stored file, no saved report. Close the tab and it's gone.
Is this financial advice?
No. It's general money guidance based on the figures you give us — practical switches and better-rate accounts, not regulated advice.
Quick savings: scripts that get you a discount today
Word-for-word retention call scripts and cancellation email templates for TV, broadband, mobile, subscriptions, insurance and energy — plus where to get the competing quote first. Completely free.
Open quick savingsFree money saving guides
Practical, UK-specific guidance you can use straight away — no payment needed.
- How to save money on bills in the UKA practical UK checklist for cutting energy, water, broadband, mobile, insurance and council tax bills — what to check, in what order, and what usually saves the most.
- The 50/30/20 budget rule, applied to UK pay and billsHow the 50/30/20 budgeting rule works with UK take-home pay, what counts as a need versus a want, and how to adapt the split when rent or mortgage costs are high.
- How to reduce household expenses without feeling worse offCut UK household costs by attacking fixed bills before discretionary spending. A structured method for finding recurring overpayments and keeping the savings.
- How to save money on food shopping in the UKCut your UK grocery bill with tactics that actually move the number: shop tiering, unit pricing, loyalty scheme pricing, waste reduction and meal planning.
- How to lower your council tax bill in the UKCheck your council tax band, claim the discounts and disregards most households miss, and challenge a wrong band for free — a step-by-step UK guide.
- How to save money on car insurance in the UKCut your UK car insurance premium: when to renew, how comparison sites work, which details legitimately reduce your quote, and the traps to avoid.
- How to save money on broadband and mobile in the UKOut-of-contract broadband and mobile bills are the easiest money to reclaim. Here's how to check your contract, haggle with retentions, and switch without losing service.
- How to build an emergency fund in the UKHow much emergency savings you actually need in the UK, where to keep it, and a realistic plan to build it from a tight budget without giving up.
- How to find and cancel unused subscriptionsTrack down forgotten direct debits and recurring card payments, cancel them properly, and use retention offers to cut the ones you want to keep.
- How to make a monthly budget that you'll actually stick toA simple UK budgeting method: work out real take-home pay, separate fixed bills from flexible spending, and set a system that survives a bad month.
- How to save money on energy bills in the UKUnderstand the price cap, fixed tariffs and standing charges, cut your usage where it actually matters, and claim the UK energy support you may be entitled to.
- How to save money on your water bill in the UKWhether a water meter would save you money, the social tariffs and WaterSure scheme most people miss, and the usage changes that actually move a UK water bill.
- How to check you are not missing benefits or support in the UKBillions in UK benefits and support go unclaimed each year. Here's how to run a free entitlement check and which schemes households most often miss.
- How to get a better interest rate on your savingsMost UK savers earn far less than the best available rate. Here's how easy-access, notice, fixed-rate and ISA accounts compare, and how to switch safely.
- How to save money on your mortgage in the UKAvoid your lender's standard variable rate, time a remortgage or product transfer properly, and understand whether overpaying is the right move.
- Cost of living: 25 money saving tips for UK householdsA prioritised UK checklist of money saving tips — the big fixed-bill wins first, then the everyday habits, with the ones that are not worth your time flagged.
Works with statements from all major UK banks
If your bank lets you download a PDF or CSV statement, we can read it — including NatWest, Halifax, TSB, Lloyds, Barclays, HSBC, Santander, Nationwide, Monzo and Starling. This describes file compatibility only; Ai Money Saver is independent and is not affiliated with, endorsed by or partnered with any bank or building society.
NatWest
Halifax
TSB
Lloyds Bank
Barclays
HSBC
Santander
Nationwide
Monzo
Starling Bank
Co-operative Bank
First Direct
Nothing stored
We do not store your statement, your budget figures, or your report. Everything is processed in memory and disappears when you close the page.
Read in your browser
PDF and CSV statements are parsed on your device. Only the extracted text is sent for assessment.
No account needed
No sign-up, no email list, no subscription. Pay once, get your report.
Secure payment via Paddle
Card details are handled by Paddle, our payment provider. Reports are non-refundable once generated.
The money you are overpaying now doesn't come back later.
A £10/month overpayment becomes £120 a year. £4.99 finds it once — and the report is yours for life. Less than a coffee, more than a guess.
Preview is free. Only £4.99 once you can see the savings.