Web app · Finance
Bill Creep
See what your household bills have quietly crept to — then call it back
Log each recurring bill once and add the price whenever it changes. Bill Creep charts every price history, totals the household creep in dollars per year, counts down promo and renewal cliffs, and hands you the retention script plus your own numbers for the call. Free, no bank link, no account.
Stored in your browser only. Nothing you do in the web version is sent to our servers. Clear your browser data and it's gone — so export a backup from the in-app menu if you want to keep it.
In your browser
What you can do in Bill Creep on the web
Household creep in one number
Every bill's current price against the first price you logged, annualized into one dollars-per-year figure with a rising staircase gauge and the worst offenders ranked.
A price history per bill
A step chart of every price point with the year-over-year delta, the note you wrote about what changed, and the creep since you started watching.
Promo and renewal cliffs
Give a bill the date its promo or renewal rate ends and it joins Cliffs ahead with a countdown — logging a call win with an end date re-arms the cliff automatically.
The retention call kit
Nine provider-type scripts word for word — internet, mobile, TV, security, gym, insurance, trash, utility and a universal one — beside your own price history and the one line to read out loud.
Outcome log and running clawback
Log who you spoke to, what was offered, the old and new price and how long it is locked. Wins accumulate into dollars per year you kept, with pending callbacks in their own list.
Creep report and victory cards
An annual report card of the damage and the clawbacks, plus a per-call victory card for the win you actually landed — both ready to copy or share.
Screens
Every screen, rebuilt for the browser
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1
Creep dashboard
Household creep per year, the next cliff, what you have clawed back, and the worst offenders.
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2
Bills
Every recurring bill grouped by category with its current price and year-over-year delta.
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3
Bill detail
Price-history step chart, creep and YoY figures, the promo cliff, and every price point.
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4
Bill form
Provider, what it is, category, account note, quarterly check-in and the price you pay today.
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5
Log a price change
The new monthly price, the date it took effect and what changed.
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6
Promo cliff
The locked rate, the date it ends and a note to yourself.
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7
Cliffs ahead
Every promo and renewal date still to come, soonest first, with days remaining.
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8
Call kit
Your price history, the line to read out loud and the matching retention script, on one screen.
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9
Log a call
Rep, outcome, old and new price, lock length and the date the new rate ends.
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10
Calls
Running clawback, every win, pending callbacks and the calls that went nowhere.
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11
Victory card
The shareable card for one win — old price struck through, new price, dollars per year back.
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12
Creep report
The annual report card, where the creep came from, the share of the damage and your biggest win.
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13
Retention scripts
The full script library by provider type, step by step, word for word.
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14
Settings
Cliff lead time, quarterly check-ins, CSV and JSON export, sample data and erase.
Try it with sample data: Loads an eight-bill household — Xfinity, T-Mobile, Waste Management, ADT, Planet Fitness, State Farm, Spectrum and City Utilities — with two years of price points, an armed promo cliff, an insurance renewal date and three logged calls including a $25/mo win. You can start fresh at any time.
Ready? It's free.
Sign in once and every All Things AI web app opens instantly. No install, no subscription, no data leaving your browser.
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Questions
Is the web version of Bill Creep free?+
Yes. Sign in with a free All Things AI account and use every screen — no subscription, no in-app purchases.
Where is my data stored?+
Only in this browser's local storage. Nothing you enter is sent to our servers, so we can't see it, back it up, or restore it. Clearing site data, a private window, or another device starts empty. Export a backup from the in-app menu to keep it.
Do I need an account?+
You can read about the app without one, but you must sign in to open it. Sign-in is free and takes a few seconds with Google.
How is the web version different from the Bill Creep iPhone app?+
No local notifications: the iPhone app fires an alert 30 days before a promo expiry, while the web version keeps every cliff in the Cliffs-ahead list with a countdown you check yourself. The victory card and creep report are rendered on the page and shared as text — the iPhone app renders them to a square image for the iOS share sheet. No quarterly push nudge to glance at a statement; the setting marks the bill for a check-in but cannot interrupt you. Bill Creep records only what you type — it never links a bank, reads an account or contacts a provider. Everything is saved in this browser only, so clearing site data erases your ledger unless you exported a backup first.