Auto insurance: typical savings $23–$45/month
Drivers who requote their auto insurance every 1–2 years typically save 15–30%. Loyalty to one insurer usually costs more over time, not less.
Where does your money actually go?
Most households are quietly losing $200–$400 a month to things they've stopped watching — insurance that was never requoted, forgotten subscriptions, interest that buys nothing. This takes about 2 minutes and shows you exactly where. Free, no signup.
Where the average household loses money every month
Typical monthly savings by category, based on common industry benchmarks. Use the calculator above to get your own numbers — these are the general ranges.
Auto loan refinancing: typical savings $23–$54/month
Refinancing an auto loan typically lowers payments 5–12%, depending on your current rate, credit, and remaining term.
Home or renters insurance: typical savings $8–$20/month
Bundling home and auto coverage, or simply requoting after a few years, typically saves 10–25%.
Phone plan: typical savings $30–$60/month
Switching to a comparable MVNO plan on the same network typically saves 25–50% per household.
Groceries: typical savings $80–$120/month
Meal planning, store brands, and shopping early-week sales typically trims 10–15% off a household's grocery bill.
Forgotten subscriptions: typical savings $18–$30/month
Most households are paying for 1–3 subscriptions they no longer use. Typical recovery: 30–50% of that spend.
Credit card interest: typical savings $27–$54/month
Moving a balance to a lower rate or consolidating debt typically cuts interest paid by 30–60%. Interest is the one expense on this list that buys nothing back.
Frequently asked questions
Where does my money go every month?
For most households, the biggest quiet leaks are auto and home insurance premiums that were never requoted, phone plans, forgotten subscriptions, grocery habits, and credit card interest. The free calculator above walks through all seven in about two minutes.
How much can I save by requoting auto insurance?
Drivers who requote their auto insurance every one to two years typically save 15 to 30 percent. Actual results vary — savings are typical estimates, not guarantees.
Is this tool really free?
Yes. There is no cost, no signup wall, and no payment anywhere. It is run by licensed insurance agents — if we help you find protection for your family or save money on insurance, that is how we earn. Everything else is free.
Can putting saved money into life insurance actually grow it?
Certain permanent life insurance policies build cash value over time in addition to providing a death benefit. Growth terms vary by carrier and policy — a licensed agent can walk through your specific numbers.
Who is behind Who Takes My Money?
Gilbert Aguirre, a licensed insurance agent (CA License 0B81811), in partnership with Trio Insurance & Financial Services of Oakland, California.