Meet Bill Creep — Track bill creep, call it back

Finance

Bill Creep

Track bill creep, call it back

What Bill Creep does

The bills you keep are the ones that get you. Internet, phone, trash pickup, home security, the gym, insurance — none of them ever get cancelled, so nobody watches them, and they quietly climb a few dollars at a time. In 2024, 84 percent of Americans saw at least one home-service price increase, and internet bills alone rose an average of about 21 dollars a month — almost always because a promotional rate expired without a word. Individually each bump feels like nothing. Added together, it is real money leaving your house every single year.

Bill Creep is the ledger that makes the creep visible and helps you call it back. Add each bill once. Whenever the price changes, log the new amount in seconds — a quarterly check-in nudge reminds you to glance at each statement so nothing slips past. The app charts every bill's price history, shows the year-over-year delta per bill, and rolls everything into one household creep total: the dollars-per-year number nobody has ever shown you.

Then it arms you for the fix. Promo rates get an expiry date and a call-me-first alert 30 days out, so you dial before the jump instead of discovering it on a statement. When it is time to call, the call kit puts everything on one screen: a retention script matched to that type of provider, your full price history — I was paying 49, you moved me to 79 — and a place to log exactly what happened: who you spoke to, what they offered, and when the new rate runs out, which re-arms the alert automatically.

Every win becomes a victory card you can save or share, and the annual creep report totals the damage and the clawbacks for the whole year. Fee-based negotiation services take 35 to 60 percent of your first-year savings for making that call. Bill Creep hands you the script and the receipts, you make a 15-minute call, and you keep every dollar.

Everything stays on your phone. No bank linking, no account, no credentials handed to anyone.

• Price-history ledger with a year-over-year delta on every bill • Household creep total in dollars per year • Promo-expiry alerts 30 days before the jump • Retention-call kit: script plus your price history on one screen • Outcome log with win-expiry re-alerts • Annual creep report and shareable victory cards • Offline and private — no bank link, no account

A look inside

Tap any screenshot to open the full-resolution version.

What's inside

• Bill Ledger — Add each recurring home-service bill once; log the price whenever it changes. Every bill gets a price-history chart, its current promo status, and a year-over-year delta badge. A quarterly check-in nudge per bill prompts a statement glance so silent increases get caught.
• Creep Dashboard — The household creep total: all bills rolled into one dollars-per-year number with a playful rising gauge, the worst offenders ranked, and total clawed back so far this year.
• Promo Expiry Alerts — Each bill can carry a promo rate with an expiry date; a local notification fires 30 days out ('Your Xfinity promo ends Aug 12 — call before the jump') and logged call wins re-arm the alert automatically when the new promo lock runs out.
• Call Kit — One-screen retention-call prep: a provider-type script (ISP, mobile, security, gym, insurance, trash), your full price history for that bill front and center ('I was paying 49, you moved me to 79'), and last call's promises. Designed to be open on the phone while you're on hold.
• Outcome Log — After each call, log who you spoke to, what was offered, the old and new monthly price, and how long the new rate is locked. Wins accumulate into a running clawback total; pending follow-ups get their own list.
• Creep Report & Victory Cards — The shareable moment: an annual creep report ('My 9 household bills crept +$1,340/yr since 2024. Two 15-minute calls clawed back $52/mo.') and a per-call victory card ('Xfinity: $79 to $54, promo locked 12 mo') rendered as a polished square image for the share sheet.

Why we built it

84% of Americans hit at least one home-service price increase in 2024 (internet alone crept an average $20.78/mo, almost always an expired promo rate), but the increases arrive a few dollars at a time across many bills, so nobody sees the yearly total. The fix — a retention call — requires knowing your own price histo…

What makes it different

Rocket Money requires bank linking and takes 35-60% of first-year savings as an upfront fee (documented BBB complaints about unauthorized charges and phantom savings); Pine AI and BillShark are do-it-for-you services that demand your provider credentials and a success fee; NerdWallet-style free scripts have no ledger,…

Who it's for

Freelancers, contractors, and small-business owners who want their numbers right at tax time without renting a SaaS to do it.

In one line: Track bill creep, call it back

Try it

See the Track bill creep, call it back for the full feature list, the info table, and support links.

Use Bill Creep, found a bug, or have a feature request? Comments are open below — anonymous is fine.