SaveGuard connects to your bank read-only, maps every recurring charge, and shows you exactly what's safe to spend before payday. Then it roasts your subscription list, because seeing the waste is funnier than ignoring it.
Connect your bank once. SaveGuard detects, flags, and drafts. You always decide what happens next.
Guess your monthly subscription total, then see the real number. Most people are surprised. SaveGuard shows you exactly what's actually recurring.
Tracks subscriptions that renew once a year (software licenses, domain names, annual memberships) and flags them before the charge hits, while you still have time to decide.
Spots overlapping subscriptions (three streaming services, two music apps) and flags the ones showing signs of going unused, so you can decide what still earns a spot on your card.
Every confirmed action gets a clean, shareable receipt: the service, what you did, and when. Proof of what you actually completed, never a projection of what you might.
Catches silent price increases on subscriptions you already have, comparing this month's charge against what you paid before, so a stealth hike never slides past you.
Flags duplicate charges, billing that continued after you cancelled, and bank fees, then drafts the dispute or reversal request. You review it and decide whether to send it.
Forecasts your balance to your next payday, accounting for every upcoming bill, so you know what's actually safe to spend today, not just what happens to be in the account right now.
An AI comedian roasts your subscription list, savage, specific, and (usually) fair, then hands you a branded card of your best burns to share. 3 free roasts every month, no subscription required.
One secure, read-only link via Plaid. Or upload a CSV if your bank isn't listed.
Every recurring charge gets detected, categorized, and tracked automatically, every day.
SaveGuard drafts the cancellation, reversal request, or dispute. You review it and send it. Nothing happens without you.
No ads. No selling your data. Ever. Cancel anytime, no questions asked.
Cancel anytime from your device's subscription settings. No retention calls, no dark patterns.
Curious how this stacks up against other bill-negotiation apps? See the comparison →
Yes. Connecting your bank, automatic subscription detection, Reveal, a manual Safe-to-Spend calculator, and 3 bill roasts a month are all free, no card required. Premium ($5.99/mo or $49.99/yr, 7-day free trial) adds Annual Radar, the AI Stack Auditor, Price-Hike alerts, Refund Hunter dispute drafts, payday-aware forecasting, shareable Receipts, and effectively unlimited roasts.
Yes. We use Plaid (the same provider used by Venmo, Robinhood, and Coinbase) for bank connections. Your credentials are never shared with us. We only get read-only access to transaction data, encrypted with AES-256 at rest and TLS 1.2+ in transit. See our Security page for the full breakdown.
No. SaveGuard has strictly read-only access to your transaction history. We cannot initiate payments, transfers, or any changes to your accounts. It's not a permission we have, not just a policy we follow.
You can upload a CSV or OFX file exported from your bank's website. This works with any bank worldwide.
No. SaveGuard detects and drafts, you decide and send. We flag what's worth acting on and prepare the cancellation, negotiation script, or dispute. You review it and send it yourself, so you always stay in control of what leaves your account or your name.
Cancel anytime from your device's subscription settings (iOS: Apple Account Settings → Subscriptions; Android: Google Play → Account → Subscriptions). No phone call, no retention calls, no dark patterns.
We identify the fee on your statement and draft a polite reversal request for you to send directly to your bank. We never contact your bank on your behalf. You review the draft, send it however you prefer, and log the outcome in the app.
No guarantees. Banks and merchants make their own decisions. We make asking easy by drafting the request; the outcome is always up to them.
Log the cancellation in SaveGuard before or after you cancel. We track charges that appear after your logged cancellation date and draft a dispute you can send to the merchant's support team or use in a card dispute with your bank. You complete the final step; we handle the drafting.
Yes. 3 roasts a month, no subscription required. It's an AI comedian reading your real subscription list back to you, plus a shareable branded card. Premium raises the monthly cap; it doesn't gate the feature.