Pricing

Pick the tier that matches your casework.

Pick a tier, top up Talons when you need more AI runs, and keep 100% of whatever Owly recovers. No commission, no cut on your wins — the subscription is the whole price.

Free
$0/mo

Open 3 single-bill cases a month at no charge. New signups get 2,000 Talons to try the paid features once.

  • 3 single-bill disputes / month
  • AI dispute drafting + tracking
  • 2,000 Talons on signup
  • Multi-bill cross-pattern analysis
  • Deep research agent
Detective
$9/mo

Unlimited single-bill disputes plus multi-bill cross-pattern analysis. Top up Talons whenever you need more AI runs.

  • Unlimited single-bill disputes
  • Multi-bill cross-pattern analysis
  • Buy Talon top-ups any time
  • Letter version history
  • Deep research agent
Most popular
Chief Inspector
$29/mo

Everything in Detective plus the deep-research agent, with 5,000 Talons granted every month. Built for serial overpayments.

  • Everything in Detective
  • Deep research agent
  • 5,000 Talons / month grant
  • Priority queue
  • Recovery summaries
How the pricing works

Pay for the AI. Keep everything you recover.

Your tier is the whole price. The monthly subscription covers the AI investigation; Talons meter the heavier runs and top up à la carte. Whatever Owly recovers is yours — every cent.

Subscription + Talons

A flat monthly fee, plus Talons for AI runs

Your tier sets a monthly Talons budget for the AI work — reading bills, spotting overcharges, drafting disputes. Need more? Buy a top-up. AI compute isn't free, but it is predictable, and it's the whole price.

No commission

You keep 100% of what Owly recovers

No performance fee. No percentage. No cut. Whatever lands back in your account stays in your account. The subscription pays for the AI; the recovery is yours.

The currency

Talons are how the AI gets paid.

100 Talons = 1¢. Every AI action draws from your wallet — the tier covers a baseline, top-ups extend it. Talons never expire.

Single-bill dispute
400Talons

≈ $0.04 per action

Multi-bill investigation
2,000Talons

≈ $0.20 per action

Deep research
3,500Talons

≈ $0.35 per action

Top-ups

Out of Talons? Buy more — they never expire.

10,000Talons

$5 · 2,000 Talons per dollar

25,000Talons

$10 · 2,500 Talons per dollar

60,000Talons

$20 · 3,000 Talons per dollar

Recovery math

Numbers from typical OverpayOwl cases. Your bills, your math.

Average monthly bill
$189.42
Overcharges found
$38.49
Recovered / year
$461.88

Based on typical OverpayOwl cases — your numbers may vary.

Try the audit

Run your own numbers.

Pick the bill category, enter a typical monthly amount, and Owly hands back a back-of-the-napkin estimate. Still illustrative — a real audit looks at a real bill.

Inputs

Pick a category, enter the bill.

$

Carriers love a quiet surcharge. Owly hunts admin fees and lapsed promos.

Illustrative
Estimate

The back-of-the-napkin answer.

Monthly recovery range
$7.20 – $16.80
Annualized recovery
$86 – $202

These ranges reflect typical line-item recoveries across the chosen category, not your specific bill. Run an audit for the honest answer.

For business

Running this for a company?

Multiple vendors, recurring bills, accounts payable that needs a second pair of eyes? Business engagements are custom — worked out with the team based on your stack, your volume, and what you actually need watched. The tiers above are for personal accounts.

Talk to us about business
Billing questions

The honest answers about money.

No. Personal accounts keep 100% of every recovery — no commission, no percentage, no agency cut. The subscription + Talons is the whole price you pay. Whatever lands back in your account is yours.