Automatically find and switch to cheaper Singapore utility, telco and insurance plans
Despite 6% Q1 economic growth beating forecasts, Singaporeans see no improvement in living standards as costs outpace wages
BillCutr lets users upload PDFs or manually enter current recurring bills. The system instantly compares against every active promotion from Singtel, StarHub, SP Group, insurance providers and more, showing exact monthly and annual savings. One-click guides walk users through the switching process with templated letters and checklists.
Middle-income Singaporean workers and families earning S$4K–8K monthly
Maintains the most current database of all Singapore residential and personal plans with real post-switch user ratings and hidden fee transparency that comparison sites miss.
professional
Upload PDF bills. AI extracts current plan and charges
Compares against 200+ live plans with true cost calculation
Shows exact dollar savings including contract fees and deposits
Step-by-step guided process with email/letter templates
Notifies users 60 and 30 days before contracts end
Comprehensive searchable database of current SG plans
Users report actual experience after switching
Dashboard of all household recurring bills and next renewal dates
Multiple profiles under one household account
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| household_size | int | Yes |
| created_at | timestamp | No |
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| provider | text | No |
| category | text | No |
| current_plan | text | No |
| monthly_cost | int | No |
| next_renewal | timestamp | Yes |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| provider | text | No |
| category | text | No |
| name | text | No |
| monthly_price | int | No |
| contract_months | int | Yes |
| is_promotion | bool | No |
| last_updated | timestamp | No |
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| from_bill_id | uuid | No |
| to_plan_id | uuid | No |
| projected_savings | int | No |
| status | text | No |
| completed_at | timestamp | Yes |
Relationships:
/api/billsUpload and parse new bill
/api/compareRun comparison against current plans database
/api/plansGet all current plans by category with filters
/api/switchesGet user's switching history and status
/api/alertsGet upcoming renewal alerts
Limited to 1 category
None
None
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 140 | 22% | $462 | $5,544 |
| Month 6 | 1,650 | 26% | $6,435 | $77,220 |
Upload your bills. Get better plans. Save S$400–900 every year. Built for middle-income families tired of costs rising faster than wages.
Run targeted Facebook ads to 'Singapore Homeowners' and 'HDB Flat' groups offering free analysis. Partner with 3 popular SG finance bloggers for review copies. Offer free Household tier to first 40 users from r/singapore who share before/after savings screenshots.
Strong in credit cards and insurance
Limited utility/telco depth and no switching assistance
End-to-end switching workflow with PDF parsing
Broad comparison site
Generic, no personalized portfolio or renewal tracking
Household bill portfolio with proactive alerts
Insurance focused
No utilities or telco, no post-switch tracking
Unified view across all recurring household costs
Continuously updated proprietary plan database combined with real user outcome data (actual savings achieved) creates compounding accuracy advantage.
Multiple providers simultaneously raised prices in 2023-2024 while wage growth remained modest, making plan switching a high-ROI activity for cost-conscious middle-income families.
Providers may object to systematic scraping of plans
Use manual updates + user submissions for first 6 months, then explore official partnerships
PDF parsing accuracy across different bill formats
Hybrid approach with manual correction fallback and progressive improvement
Users may be loyal to current providers
Emphasize zero-risk switching with clear contract exit calculations
Success: Average projected savings >S$35/month per user
Success: Average realized savings >S$380 in first 6 months
Success: 400 signups and 90 paid conversions in first 30 days
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