📊 Bill Checker
Which of my bills am I overpaying on?
Every household has a handful of bills that could be lower and one that is worth doing something about first. This puts them all in one list with their annual cost, ranks them by size and by how long since you last compared them, and sends each one to the tool that gives a real figure.
Figures reviewed September 2026. Free, no signup, nothing stored on our servers.
What this means
The annual total is what your switchable bills cost in a year. It is not your whole household spending — groceries and fuel are not on this list, because you cannot ring anybody and renegotiate them.
The ranking is by euro-years left unreviewed: what the bill costs, multiplied by how long since it was last compared. A large policy untouched for three years outranks a small bill checked last month, which is the order a sensible person would work in anyway.
There is deliberately no estimated saving. No Irish body publishes what a household typically saves by switching insurer or supplier, and a made-up percentage attached to your real numbers would look authoritative and be fiction. The individual tools produce real figures; this decides which one to open first.
What affects the result
- How long since each bill was last compared. Nearly every Irish discount is twelve-month, so a bill untouched for two years is almost certainly at a standard rate.
- Whether you are inside a contract, which decides whether you can act today or have to diary it.
- The size of the bill. A 10% saving on a €1,600 policy beats a 40% saving on a €200 one.
- Whether a provider has raised prices mid-contract, which can give a right to leave without penalty.
- Whether the household has duplicates — two subscriptions to the same thing, two policies covering the same risk.
Which of my bills am I overpaying on?
Do them in one sitting
The reason bills drift is that each one is a separate small task with no deadline. Blocking out an evening once a year and working down a ranked list turns a dozen vague intentions into one finished job.
Ring before you switch
Providers discount rather than lose customers, but only when asked and only when you have a specific alternative to name. Get the comparison first, then call. Ten minutes on a retentions line frequently produces the new-customer price with nothing else changing.
Where this sits
This covers the bills you can renegotiate. For the whole picture of what leaves the account each month, including the parts you cannot switch, use the money leak calculator. For whether a price rise you have been given is reasonable, the price increase checker puts it against inflation.
Important assumptions
Every figure on this page rests on these. Where one does not match your situation, the answer moves — sometimes a great deal.
- Monthly figures are converted straight to annual. Where a bill is paid yearly, divide it by twelve before entering it.
- The ranking is annual cost multiplied by years since last checked, capped at three years — beyond that, longer says nothing more than "a long time".
- A bill is treated as needing attention at twelve months since it was last compared.
- No saving is estimated for any line. The linked tools produce those figures from your own numbers.
- Nothing you enter is stored or sent anywhere. The share link is built only when you press Share.
Official sources
Where this tool applies a published rule, this is where the rule comes from. Check the source before acting on anything that matters.
- CCPC — money tools and comparisons
The statutory consumer body’s independent comparisons for current accounts, credit and insurance.
- ComReg — consumer information
Telecoms contract end notifications, the right to exit on a price change, switching and complaints.
- CRU — switching energy supplier
The energy regulator’s rules on switching, cooling-off and accredited price comparison.
- Central Bank — switching your mortgage
The consumer protections that apply when moving a mortgage, and what a lender must tell you.
Common questions
Which bill should I look at first?
The biggest one you have not compared in the longest time. That is usually insurance or energy rather than the small recurring costs that feel more annoying. This tool orders them that way for exactly that reason.
How often should I compare my bills?
Once a year for anything on an annual discount — energy, insurance, broadband, subscriptions. Every renewal for insurance specifically, because loyalty is not rewarded and the renewal quote is frequently above the price the same insurer offers a new customer.
Can I leave if my provider raises the price mid-contract?
In telecoms, often yes. Where a provider changes contract terms in a way that is not exclusively to the subscriber’s benefit, the subscriber may end the contract without penalty, and the provider must give notice of the change and of that right. Other sectors vary — check the terms.
Is switching worth the hassle?
Look at the annual figure rather than the monthly one before deciding. Most switches take under an hour and the saving recurs every year until somebody changes it back. Energy and insurance are usually where the largest single-hour returns are.
What to check next
Where is my money actually going?
Add up every recurring household cost and see which categories are worth attacking first.
Money Leak CheckerPopularAm I paying too much for electricity?
Compare Irish electricity and gas tariffs on net first-year cost, not headline rate.
Energy Switch ComparisonNewAm I paying too much for broadband?
Your bill against what the same speed normally costs, and what switching would save over two years.
Broadband Price CheckNewWhat are my subscriptions really costing me?
Every subscription as one monthly figure, one annual figure, and what five years of it comes to.
Subscription Cost CalculatorNext steps across CheckIreland
Picked for what you just worked out — not a list of everything we make.
- Start with energyUsually the largest switchable bill in the house, and it can be done in an afternoon.
- Then broadbandThe one most likely to be sitting at an expired offer price without anybody noticing.
- The bills you cannot switchThis covers the rest of what leaves the account, including the parts no phone call will change.
CheckIreland is independent and is not affiliated with the Irish Government or any public body. This tool is general information built on published rules and typical costs — it is not financial, tax or legal advice, and it does not account for your individual circumstances. Confirm anything that matters with the relevant body or a qualified adviser before acting on it.