How SaveGuard compares
Bill-negotiation and subscription apps price themselves very differently. Here's the factual breakdown: what each service charges, and who acts on your behalf versus who hands you the draft and lets you decide.
Pricing model
| SaveGuard | Rocket Money | Billshark | |
|---|---|---|---|
| Core pricing | Flat $5.99/mo or $49.99/yr, same price no matter what we find | "Pay what you think is fair", a self-selected Premium price, commonly $7 to $14/mo | No subscription, per-service fees (below) |
| Free tier | Yes: connect, detect, Reveal, manual Safe-to-Spend, 3 bill roasts/mo | Yes: subscription tracking, bill tracking, basic budgeting | No ongoing free app; you pay per service used |
| Bill negotiation fee | Not offered as a % fee. We draft the negotiation script, you place the call, nothing changes hands to us either way | 35 to 60% of your first year's savings (you choose the %), charged only if negotiation succeeds | 40% of savings achieved, one-time fee, capped at 2 years of savings; nothing charged if unsuccessful |
| Subscription cancellation | Included at every tier, no per-cancellation fee | Included on Premium | $9 per cancellation |
| Free trial | 7 days on paid tiers | 7 days on Premium | N/A (pay-per-service, not subscription-based) |
Rocket Money and Billshark figures per their own published pricing/help-center pages as of July 2026. Not our estimate. Pricing and terms change; check each provider's current site before deciding. SaveGuard's own pricing is a fact about our product, not a claim about anyone's savings.
Who acts on your behalf
| SaveGuard | Rocket Money | Billshark | |
|---|---|---|---|
| Negotiation calls | You call. We draft the script and the exact ask | Their negotiators contact your provider for you | Their negotiators contact your provider for you |
| Disputes & reversals | You send. We draft the dispute or reversal request | Varies by feature | Not their core service |
| Bank account access | Read-only via Plaid. Cannot move money, cannot act as you | Read-only via Plaid | Not a bank-linked app in the same sense. Works from the bill/account details you provide |
Why this matters
A service that negotiates for you and takes a cut of the savings has an incentive to overstate what it found. SaveGuard never negotiates, disputes, or cancels on your behalf. We detect and draft, you review and decide, and our price doesn't change based on what we find. That's not a promise about outcomes; it's the entire design.