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.

See what we've found before you pay. The assessment is free to complete — you only pay the £4.99 if you want the actual figures, providers and steps.

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.

Start assessment Use bank statement Talk it through

No account · no subscription · 30-day refund £4.99 once — a £10/month overpayment costs £120 a year

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 — free to fill in →

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 — free to fill in →

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 — free to try →

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 detail for £4.99
Only if you want it. Ranked actions, real figures, named providers and where to move the money.

Before you start

Why is there a charge at all?

The assessment is done by an AI model that costs money to run each time. £4.99 covers one full report — no subscription, no upsells, no data selling. You see what we've found for free first, then choose.

What if it finds nothing useful?

Payments are handled by Paddle and you can request a full refund within 30 days at paddle.net. You take no risk on the £4.99.

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.

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.