Step 1 — Your bills
Enter your ZIP and what you pay each month. Rates and availability depend on your address, so your ZIP is what makes this specific to you.
Step 2 — Subscriptions & memberships
Tap everything you pay for. The overlap engine flags things you may already get free somewhere else. Prices shown are the verified standard rates (checked Nov 8, 2026) — pick your tier where it matters.
Step 3 — Insurance
Enter what you pay each month. We cannot quote you a live rate here — no site can do that from a ZIP alone — but we can point you to where to check, and flag the bundle questions worth asking.
Step 4 — Credit-card benefit check
Pick the premium cards you hold. Many of them pay for streaming, Walmart+, or roadside help you may already be paying for separately. Only the benefits verified on the issuers' own pages (Nov 8, 2026) are listed here.
$0 / year
Savings shown are only the duplicates and credits this tool can verify from the sources below. They are estimates to check — not quotes, not a promise.
Your action plan
Tap "See my action plan" in Step 4, or print this page any time — it is a printable action plan. Work the list top to bottom — biggest verified saving first.
- Fill in Steps 1–4 and your plan will appear here.
Holiday deals — checked Nov 8, 2026
Black Friday is Nov 27, 2026 and Cyber Monday is Nov 30. These are the deals actually live right now, with their end dates. They are not in the scorecard math above — a promo price is only real for you if you qualify (usually new or returning customers) and only until its end date. Check the provider's own page before you sign up.
- Xfinity internet — LIVE through Dec 1: 300 Mbps for $40/mo for one year, or $45/mo locked for 5 years, with WiFi equipment, unlimited data, and a free Xfinity Mobile line for a year. New customers; AutoPay and paperless billing required.
- AT&T Fiber 1 Gig — through Jan 5, 2027: $65/mo for the first year, then $80, plus a $100 reward card.
- Verizon Fios — no end date listed: from $30/mo, 2 months on us, plus a Samsung TV or $200 in gift cards on 1 Gig and faster plans. New customers; cancel within 12 months and Verizon can charge back the bonus.
- Spectrum internet — from $30/mo for Internet 100 (500 for $40, 1 Gig for $60) for the first year, with a free Spectrum Mobile line for a year. New residential customers only.
- YouTube TV — ends Nov 16: $59.99/mo for 2 months for eligible new users, then $82.99/mo.
- Disney+ and Hulu bundle — $11.99/mo for 6 months, then $12.99/mo. Apple TV and Peacock bundle from $17.99/mo (ongoing, not a Black Friday exclusive).
- Streaming Black Friday prices — NOT announced yet: as of Nov 8, no streaming service has announced a Black Friday 2026 price. Last year HBO Max was $2.99/mo for 12 months and the Disney+ and Hulu bundle was $4.99/mo for 12 months — those are last year's prices, not this year's, and Netflix never does Black Friday. Check again from around Nov 23.
This list is re-checked weekly. If a deal here has expired or changed, the date above is wrong — tell us, or check the provider's page directly.
Where this comes from
Every source below was checked live on Nov 8, 2026. Only sources verified as usable are listed. Anything not verified is labelled UNVERIFIED and is not used in the math.
- Texas electricity — Power to Choose (powertochoose.org): official PUCT site. Enter your ZIP to compare plans. Deregulated ERCOT only (about 85% of Texans). No public API; a CSV export of 11,465 plans was verified live. Link-out only — you cannot enroll on the site.
- Home internet availability — FCC National Broadband Map (broadbandmap.fcc.gov): search by full street address, no account needed. Shows ISPs and speeds only — no prices. Needs a live-browser check before publishing (text fetch returned 403).
- T-Mobile (T-Mix announcement): T-Mix launched Nov 5, 2026 for new customers. Streaming is optional quarterly "Picks", not a fixed bundle. $15/mo off Home Internet with a voice line verified; headline Home Internet prices varied between checks, so re-check them. AAA perk status under T-Mix is UNVERIFIED.
- Verizon (Verizon One FAQ): Verizon One is $70/mo with Auto Pay ($80 without) for mobile + home internet — but only for customers new to both Verizon mobile and home services, bringing their own eSIM-capable device. Verizon One includes no streaming perks — Verizon's own FAQ says so. Disney+/Hulu/ESPN+ $12/mo, Netflix + HBO Max $13/mo, Apple One $15/$23/mo are paid add-ons on other plans only.
- AT&T: 20% off Fiber every month when adding an eligible unlimited wireless plan; Build-a-Plan home internet $35/mo with eligible wireless + AutoPay/paperless. Verified on att.com.
- Walmart+: $12.95/mo or $98/yr. You choose one streaming service — Paramount+ Essential or Peacock Premium — switchable every 90 days. Fuel 10¢/gal off. Sam's Club Plus + Walmart+ bundle $120/yr.
- Costco CONNECT insurance (costco.com): home & auto insurance via CONNECT, powered by American Family. Quote-only at costco.amfam.com or 1-888-404-5365. No discount percentage is published.
- Spectrum: every internet plan includes one Unlimited Mobile line free for a full year ($30/mo value) with Spectrum Internet + AutoPay. Internet 100 $30/mo, 500 $40/mo, 1 Gig $60/mo for one year. Verified on spectrum.com.
- Streaming prices (verified Oct–Nov 2026 on provider pages): Netflix $8.99 / $19.99 / $26.99; Hulu $12.49 / $21.49; Disney+ $12.49 / $21.49; Max $10.99 / $18.49 / $22.99; Peacock $8.99 / $12.99 / $19.99; Paramount+ $8.99 / $13.99; Apple TV $14.99; Prime Video $8.99 standalone, Amazon Prime $14.99/mo or $139/yr; YouTube TV $82.99; Spotify $12.99 / $18.99 / $21.99; Apple One $21.95 / $27.95 / $39.95.
- Home security: Ring $4.99 / $9.99 / $19.99 per month; SimpliSafe $9.99–$79.99; ADT Self Setup monitoring from $24.99/mo.
- Insurance comparison (link-out only — no live rates in this tool): Insurify (real-time quotes on screen), Policygenius (estimates first, broker help), The Zebra (Nov 6 test showed no real-time quotes). EverQuote is lead generation, not comparison — not presented as side-by-side prices. No public anonymous ZIP-only quote API exists for any of them.
- Home warranty: no company publishes a flat national price. Typical range $40–$85/mo plus $65–$150 per service call; get your ZIP quote. Figures from 2026 third-party reviews, not the companies' own sites.
Left out on purpose — UNVERIFIED: any figure we could not verify against a primary source is not used anywhere on this page — including the Xfinity bundle numbers (corroborated by trackers, not confirmed on xfinity.com), a flat multi-policy discount percentage, and any per-lead or per-switch bounty figures. If a claim is not on this list of sources, this tool does not make it.