Upload a bill.
PDFs, photos, or screenshots. Any bill, any expense — the moment you upload, Bonsai gets to work.
Now in beta
Get your money back
Any bill, any expense — there's money quietly leaking. Insurance, utilities, medical, internet, refunds, even airline complaints. We find it, we dispute it, you keep it.
Get startedWhat Bonsai does
An agent on your side of the table.
Find ways to lower it.
Bonsai scans each line, cites the contract, surfaces duplicate fees, expired promos, and rate hikes you never agreed to.
Automatically recover your money.
Bonsai disputes by email or phone, chases the reply, and surfaces the credit the moment it lands. You approve every move; it does the work.
Find cheaper options.
When the contract's expired or the market shifted, Bonsai surfaces a better plan and lines up the switch.
What Bonsai negotiates
Every bill. Every expense.
Bonsai works on anything you upload. Here are four categories where it tends to find the most leaks.
- Insurance Avg $612 saved / yr
- Medical Avg $1,200 saved / yr
- Recurring Avg $548 saved / yr
- Disputes Avg $200 saved / yr
Auto, home, health, life, renters. Every premium has room. Bonsai disputes risk-tier mistakes, applies discounts you qualify for, and renegotiates at renewal.
Hospital bills are riddled with errors. Duplicate charges, out-of-network billing for in-network providers, inflated facility fees. Bonsai catches them all.
Cell, internet, cable, utilities, subscriptions, streaming. Every recurring charge gets re-checked, re-disputed, re-priced cycle after cycle.
Airline refunds, late fees, overdraft reversals, customer-service escalations. The one-time fights you'd otherwise spend hours on hold for.
What Bonsai negotiates
Every bill. Every expense.
Bonsai works on anything you upload. Here are four categories where it tends to find the most leaks.
Insurance Avg $612 saved / yr
Auto, home, health, life, renters. Every premium has room. Bonsai disputes risk-tier mistakes, applies discounts you qualify for, and renegotiates at renewal.
Auto
Home
Health
Life
Renters
Medical Avg $1,200 saved / yr
Hospital bills are riddled with errors. Duplicate charges, out-of-network billing for in-network providers, inflated facility fees. Bonsai catches them all.
Hospital bills
Surprise bills
Prescriptions
Specialist fees
Recurring Avg $548 saved / yr
Cell, internet, cable, utilities, subscriptions, streaming. Every recurring charge gets re-checked, re-disputed, re-priced cycle after cycle.
Cell phone
Internet & cable
Utilities
Subscriptions
Disputes Avg $200 saved / yr
Airline refunds, late fees, overdraft reversals, customer-service escalations. The one-time fights you'd otherwise spend hours on hold for.
Airline refunds
Late & overdraft fees
Customer service
What does it cost?
Nothing during beta. We're operating Bonsai on our own dime so we can learn what real users need before we charge for it.
What kinds of bills does Bonsai handle?
Anywhere money quietly leaks. Insurance premiums, utility bills, internet and phone plans, recurring subscriptions, lines of credit, medical bills, anything with a contract or a rate that drifts up year over year. Bonsai reads the bill, the contract, and any supporting docs you give it, then disputes whatever doesn't add up.
Is my data safe?
Bills, transcripts, and account data live under your account only. We don't sell, share, or train external models on your data. Read the Privacy Policy for the full rundown of what we store and why.
Can the AI agent call and email?
Yes — both. Bonsai drafts appeals, sends emails to billing departments, and dials phone numbers and talks to real reps. Every outbound message goes out only after your one-click approval, and you're CC'd on every email.
How does it pick email vs. phone?
Bonsai picks the channel based on the dispute. Some appeals only work in writing — formal disputes, paper-trail required. Others only work on a call where you can apply real-time pressure or navigate a phone tree. You can override Bonsai's pick in Settings.
What if it can't lower my bill?
The agent escalates: another round of negotiation, a re-aimed appeal at a different department, or a hand-off back to you with everything documented so you (or an advocate) can take it from there. No save, no charge — Bonsai is free during beta either way.
What if Bonsai gets something wrong?
You see every finding before any letter goes out, and every email and call before it lands. If something's off, you reject the draft and Bonsai redrafts. The point is to give you leverage, not surprises.