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Money

Refunds, bills, deals and money you were owed · 465 ideas

Analyse my credit card statements and cut $675 a year

Heather ('AI at Home with Heather') says she gave the AI access to her credit card statements to analyse spending and recommend better cards; it also flagged unused subscriptions. She cancelled a discount flight-alert service she no longer uses and downgraded Spotify Premium, for claimed savings of $675 a year found in about an hour — a figure she admits may be slightly exaggerated.

$675a year

Compare wireless plans against what I actually pay and use

Harry McCracken asked his Dot to research wireless carriers. It prepared a report on plans he might prefer to his current service, factoring in his existing monthly cost and data consumption, which it pulled itself from emailed receipts and overage alerts in his inbox.

It cancelled my Adobe plan and got $400 of membership fees back

Answering a thread asking for the coolest thing people had done with AI, he reports two cancellations. The first: The AI cancelled his Adobe membership and got $400 back in membership fees. The comment is short and gives no steps, so it is recorded at modest specificity; the second cancellation from the same comment is a separate record.

$400
MoneyWent wrong

Find it on Amazon — and label four non-Amazon results as Amazon listings

Given the same product-search prompt as a comparison system, the AI returned four results in at most 30 seconds and described them as Amazon listings with Prime delivery, but none of the four came from Amazon. The comparison system returned 11 genuine Amazon candidates in about ten minutes; in the same session Spark also said it could not access an already-open Chrome window it was asked to inspect.

This one went wrong. See what happened before you try it.

Audit my taxes and find my CPA's mistakes

In a thread about a Garmin MCP and privacy tradeoffs, a commenter says the AI found errors his CPA had made in his returns. Amending them recovered over $100,000, at the cost of feeding the agent a lot of personal financial information.

$100,000one time

My agent runs my 20 credit card and bill system with two dashboards

With about 20 credit cards, she could never keep track of what each one earns. The AI built her two dashboards. The finance one shows every card with her own nicknames for them, all her bills with due dates, one tap mark paid buttons, live checking balances through Plaid, and her credit score tracked monthly. The spending one logs purchases she texts in, like a shop name and amount on a named card, sorts them into categories, and tells her if she picked the right card, since it knows her rewards, like 6% on groceries on one card and 5% on gas on another. It also sends a Sunday morning roundup of the week's bills, reminds her which card to use before she shops, and warns her about quarterly reward caps.

MoneyPartly worked

My agent turns my streaming services on and off on a schedule I approved

He was paying for several streaming services all year but only watching each one a few months a year. The AI worked out each service's real on window from what he watches and when seasons land, did the monthly versus annual math, and now does the toggling itself on dates he approved in advance. Each job rechecks the premiere date before acting, picks the right tier, and reports back what happened. If a cancel fails it tells him instead of retrying forever. Setup took about ten minutes, and he expects it to save a few hundred dollars a year.

This only partly worked. Worth knowing before you try it.

Called AT&T and replaced an $85/month 500 Mbps plan with a $40/month

In FUNDA's analysis of 654 the AI use cases, one money case is a user who had the AI call AT&T and replace an $85/month 500 Mbps plan with a $40/month 1 Gbps plan — a $45/month saving ($540/year) with a speed upgrade. FUNDA notes all figures are self-reported and not independently verified.

$85

User's chat shows an internet bill cut from $75+tax/month to $45/month after

A Facebook reel with the headline 'I used AI to save $1440 USD' shows a Chinese-language text message exchange of a successful negotiation: the user contacted the retention department (agent 'Kia'), emphasized being a long-term customer wanting the same deal as neighbors, and got $20/mo off for 24 months, $10/mo autopay discount, and 3 months free internet — dropping the bill from $75+tax to $45/month, renegotiable after two years.

$75
MoneyWent wrong

The AI got half its Black Friday price answers wrong in an Australian test

Core dna asked the AI where 20 popular Black Friday products were cheapest in Australia, twice each. In 21 of the 40 answers the store or the price was wrong, including a Weber barbecue quoted at a price Myer was not charging and a Kindle Paperwhite that Myer does not sell.

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Every idea is a real post from someone who tried it, summarized in our words, with a link to the original. App names are swapped for plain words.