Rocket Money
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Rocket Money specializes in finding money you didn't know you were wasting, subscriptions you signed up for and forgot, duplicate charges, old gym memberships still running. It categorizes all your transactions automatically, alerts you to unusual spending, and negotiates bills like insurance and phone plans on your behalf to lower your rates. Many seniors discover they're paying for 5-10 services they completely forgot about.
This works especially well for retirees who've accumulated subscriptions over years and want a streamlined way to cut waste without manually reviewing every bill. The negotiation feature saves real money, and the alerts catch fraud or duplicate charges quickly. It's a straightforward fix if your budget has leaks you can't see, and recovering just a few forgotten subscriptions usually pays the monthly fee back within weeks.