Pricing

Pick the tier that matches your casework.

Free to open. Honest pricing — no commission on what Owly recovers. Cancel at any time.

Investigator
Free

Open your first cases at no cost. See the agency in action.

  • 3 cases per month
  • AI dispute drafting
  • Recovery tracking
  • Email notifications
  • Owly portrait avatar
Most popular
Pro Investigator
Coming soon

Paid tiers launch with Stripe in Q1 2026.

Unlimited casework for the persistent.

  • Unlimited cases
  • Priority Owly review
  • Email + SMS notifications
  • Calculator with deep audit
  • Letter version history
  • Consult Owly chat (longer sessions)
  • Export case archives (PDF)
Agency
Coming soon

Custom engagements. Reach out for early access.

For teams running multiple investigators or client books.

  • Everything in Pro Investigator
  • Multiple seat investigators
  • Branded letterhead
  • API access
  • Dedicated onboarding
  • Quarterly recovery report
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.

Billing questions

The honest answers about money.

Paid tiers unlock once Stripe billing is wired. Today every detective is on the Investigator tier. You'll be notified before any plan changes affect your account.