Bill Cutter.

List your bills

Name, amount, how often and the currency for every recurring bill or subscription, plus how often you use it, whether you are happy with it and any binding period you know of. Or paste a statement after removing account numbers, card numbers, addresses and ID numbers. From a statement it lists only lines that look recurring and asks you to confirm them first.

Normalise

One table in your currency: each amount as given, per month and per year, calculated from your original amounts. A missing amount becomes [ADD: amount] and is left out of every sum, and it says so.

Four piles

Every line goes in exactly one pile, with one sentence of reason based only on what you said. Only the cancel total is money that stops, and only after each notice period or binding end date. It never estimates what a downgrade or a negotiation saves.

• 01CancelRarely or never used, or it duplicates another line.
• 02DowngradeUsed, but you say you need less than you pay for.
• 03NegotiateUsed and needed, from a provider where you can say it is too expensive.
• 04KeepUsed and needed, with no complaint from you.

Call scripts

For each negotiate line, a script of at most 80 words: who you are as a customer, the problem in your own amount, the ask, and the line to use if they say no. A competitor offer is mentioned only if you have one. Each is marked as for a call or a chat.

Practise with the retention agent

Claude plays a polite, persistent agent, one negotiate line at a time. The agent speaks first, you answer, and it pushes in turn with a small discount or a free month, "this is already our best price" and a transfer to another department. After each of your answers it steps out of character with a score, a stronger version of your answer and the next push. This is a simulation of a generic agent, not the real provider's policy or offers.

Says the numberAsks for something specificStays calmDoes not accept the first offerUses the walk away line

Cancellations

For each cancel line, a checklist of at most four points: the notice period and end date, the provider's own cancel page, written confirmation and the last bill, and anything linked to it. Then a cancellation message of under 80 words with placeholders and a request for written confirmation. It never sends it for you.

The plan

A plan of at most 150 words: what to cancel and by when, what to downgrade, which calls to make with the opening line for each, what to keep, and the cancel totals.