Albert

Albert is a full-featured budgeting app that tracks spending, automates savings, and includes bill negotiation for cell phones, internet, and utilities. The app uses machine learning to spot opportunities for rate reductions and handles the negotiation process automatically on your behalf. It also offers personal loans and cashback features alongside the core budgeting tools.

Albert works well for people building a complete financial picture who want bill savings as part of broader money management. The bill negotiation feature integrates with the main app rather than standing alone, so it's best if you want an all-in-one solution rather than a tool focused only on negotiation.