Bonsai
Bonsai is an agent that manages your personal expenses.
Core trick
Contact resolver finds the billing department's email and phone, then a negotiation agent emails or calls the provider and handles replies.
Description
Bonsai is an agent that manages your personal expenses. People leak money across insurance, rent, credit lines, taxes, medical, utilities, and subscriptions, but the savings on any single bill aren’t worth the time to investigate. So nobody does. Bonsai automates the work end to end. Upload a bill, and the agents audit it, drafts an appeal, and negotiates by email or phone.
Four agents split the job:
1) The analyzer finds opportunities to lower your bill.
2) The contact resolver finds the billing department’s email and phone.
3) The negotiation agent emails or calls the provider and handles the back-and-forth.
4) The comparison agent runs in the background, hunting for cheaper providers you could switch to.
Try it: https://bonsai.firebaystudios.com
README excerpt
# Bonsai 🌿 **Agents to manage personal bills.** [](LICENSE) [](https://bun.sh) People leak money constantly across insurance, rent, lines of credit, taxes, medical bills, utilities, and dozens of other recurring costs. In most cases nobody is actively managing these expenses because the savings on any single line item don't justify the time. But in aggregate, the waste is real. The tools that exist today require a human to initiate each comparison or negotiation, which means it mostly doesn't happen — bills go unexamined and contracts auto-renew at whatever rate the vendor set. Bonsai is a self-hostable set of agents that runs in the background and continuously looks for savings across every category of spend. Not a dashboard that tells you where you're overpaying — agents that actually renegotiate the electric bill, find a cheaper insurance policy, or flag when a credit line's terms are no longer competitive. The wedge is a general-purpose cost optimization agent for people that quietly saves them money while they sleep. ## Why this exists - **Agents that act, not dashboards that report.** Bonsai writes the appeal, drafts the email, dials the rep. You approve every move; the agents do the work. - **Grounding contract.** Every dispute quotes the source verbatim. Every dollar amount traces back to a line on the bill or a clause in the EOB