Upload any bill, contract, subscription, or policy. OverPaid reads every line, finds every optional charge, and tells you exactly what you can remove — and how much you'll save.
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General AI summarizes. OverPaid interprets. There's a significant difference.
Generic AI summarises your document. OverPaid reads it like an auditor — identifying auto-renewing charges, above-market rates, renewal traps, and optional fees you never chose. Built for energy, insurance, internet, mobile, subscriptions, and more.
Your document is processed in an isolated session. Never stored. Never used for training. Never seen by a human. Deleted immediately after analysis. This isn't a privacy policy — it's how the system is built. No retention by default, no exceptions.
We read every line of your document, identify optional and auto-renewing charges, and benchmark your rates against current market data. Each finding is verified against your actual contract — not estimated. The result is a structured audit, not an AI summary.
Most recurring bills contain charges you never chose, rates above market, or renewal traps you don't know about. OverPaid finds them.
Most people know they're overpaying. What stops them acting on it is handing their financial documents to a tool that might store, log, or train on them. OverPaid was built to remove that barrier — processed privately, deleted immediately, no exceptions.
Your document is automatically deleted after analysis completes. We do not archive or retain it by default.
Your data is processed on secure European servers under strict privacy law. We are legally required to protect it — not just by policy.
Your documents are never used to improve or train any AI model. We do not use your documents to train or improve any AI model.
No employee or contractor manually reviews your document. Processing is automated. Access is restricted by default.
We'll write a formal letter to your provider using the exact findings from your report. Ready to send in minutes.
OverPaid provides Document-derived analysis of documents you upload for informational purposes only. Nothing on this platform constitutes regulated financial advice, legal advice, or a personal recommendation to buy, sell, or switch any financial product or service.
Our analysis is based on the document content you provide. Figures, dates, and recommendations should always be verified directly with your provider before you take any action. Providers may have updated their terms since the document was issued.
Analysis is derived from your uploaded document and may contain errors, omissions, or misinterpretations. We work hard to minimise these through our calibration system, but no Contract analysis is infallible. Use findings as a starting point for your own research.
Documents are processed privately and deleted immediately after analysis. We do not store, log, or train on your documents. See our privacy notice for full details.
Some comparison links may earn OverPaid a referral fee if you switch provider. This never affects the independence of our analysis or what we charge you.
OverPaid is not regulated by the FCA (UK), AFM (Netherlands), or BaFin (Germany). We are an information service, not a regulated financial adviser. If you require regulated advice, please consult a qualified professional.