Your personal financial concierge

Save money without changing how you live

Sugar finds where your money is quietly being lost on bills, loans, insurance, and subscriptions. Then we move you to better deals.

See what Sugar can find

You only pay when we save you money.

Most people are overpaying and don't know it. Comparing every rate, reading every renewal, switching every provider. Nobody has time for that.

How it works

Three steps. Zero effort from you.

1

Connect your email

Sugar securely reads your financial emails (bills, statements, renewals, receipts) to build a full picture of what you're paying and to whom.

2

We find the savings

We compare every rate, plan, and provider against the market. We show you exactly where you're losing money and how much you could save.

3

We make the switch

Sugar handles the switching, renegotiating, and consolidating. You get better deals on everything, without lifting a finger.

What we cover

Every bill. Every provider. Every deal.

Utilities
🏠
Home Loans
💳
Debt & Credit
🛡️
Insurance
📱
Telco & Internet
💰
Personal Loans
🎫
Subscriptions
🏦
Banking & Savings
Real example

Here's what we found for Dave.

D
Dave
Auckland, NZ. Hadn't switched a provider in over 2 years.
Total savings identified
$2,800 – $6,000
per year
Mortgage renewal $2,000 – $4,000/yr

Fixed rate expiring, about to roll onto 6.99% floating. Sugar flagged it before it lapsed and negotiated competing offers through his broker.

AA Insurance (3 policies) $500 – $1,500/yr

Car, home, and contents all auto-renewing without review. Competitors were 15-30% cheaper for equivalent cover. Sugar ran the comparison and switched.

Electricity (Frank Energy) $300 – $500/yr

Bills had jumped 38% year-on-year. Sugar compared providers, found a better plan, and handled the switch.

Why Sugar

Built for real people, not spreadsheet people.

💪

You don't have to change

Sugar doesn't ask you to budget harder, spend less, or become a financial expert. We fix the deals, not your behaviour.

🔍

Nothing gets missed

Every provider, every renewal, every rate. Sugar tracks it all so you never quietly overpay again.

It takes minutes, not months

Connect once. Sugar does the rest. No forms, no phone calls, no comparing 15 tabs of provider websites.

🔒

You only pay for results

If Sugar doesn't find the savings we promise, we refund the difference. No questions asked.

+$3,000 /year

Average savings found. Or we refund the difference.

Pick a membership that suits you. Cancel anytime.

If Sugar doesn't find the savings we promise: refund the difference. No questions asked.

Stop overpaying for things you don't think about

Connect once. Sugar finds the savings. You keep the money.

Get started