FAIR OR NOTHome › Free alternatives
Before you pay
Free alternatives to paid apps and subscriptions
Many apps charge for things your phone, TV or computer can already do, or that a maker offers free. Check here first. Availability depends on your device and model.
Jump to a category
Apps
- TV remote apps
- QR code and document scanner apps
- Flashlight, calculator and utility apps
- Photo and video editing apps
- VPN apps
- Phone cleaner and antivirus apps
- Fitness and diet apps
- Dating apps
- Kids' games and in-app purchases
- Weather apps
- Wallpaper and ringtone apps
- Translator apps
- AI chat and AI photo apps
- Astrology and horoscope apps
- Sleep and meditation apps
- Language learning apps
- Mobile game coins, gems and passes
- Password managers
- Keyboard and font apps
- Call and text blocker apps
Subscriptions
- Streaming services
- Software subscriptions
- Cloud storage
- Meal kits and subscription boxes
- Gym memberships
- Credit score and credit report services
- Printer ink and printer subscriptions
- News and magazine subscriptions
- Online courses and memberships
- Phone insurance and device protection
- Music and audiobook subscriptions
- Home security monitoring
- Car connected services and feature subscriptions
- Pet insurance
- Roadside assistance memberships
- Retail and warehouse memberships
- Satellite radio
- Website, domain and hosting renewals
- Tax preparation software
- Genealogy and DNA test services
- Identity theft protection services
Fees and services
- Food delivery fees
- Event ticket fees
- Hotel, airline and rental car fees
- Internet, cable and phone bills
- People search and background check sites
- Extended warranties and protection plans
- Home warranties
- Bank account and overdraft fees
- Apartment and rental fees
- Utility and energy supply plans
- Moving companies
- Car dealer add-ons and fees
- Buy now, pay later and rent-to-own
- Money transfer and check cashing fees
- Parking fees and parking apps
- Timeshares and vacation clubs
- Funeral services
- Prepaid debit cards
- Rideshare and taxi fees
Apps
TV remote apps
Apple TV Remote in Control CenteriPhones and iPads include a built-in Apple TV Remote you can add to Control Center. It works with Apple TV and many AirPlay-compatible smart TVs.
Google TV app remoteGoogle's own Google TV app includes a phone remote for Chromecast with Google TV, Google TV Streamer and many Google TV or Android TV sets.
Roku's official mobile appRoku's own free mobile app can control Roku TVs and Roku streaming players on the same Wi-Fi network.
Samsung SmartThings appSamsung's free SmartThings app includes a remote for many Samsung smart TVs once the TV is added to your account.
A replacement remoteIf you prefer real buttons, a replacement remote from your TV maker or a basic universal remote is a one-time purchase, not a subscription.
Common problems and how to cancel →QR code and document scanner apps
iPhone Camera appPoint the built-in Camera app at a QR code, then tap the link that appears. No extra app is needed.
iPhone Notes and Files appsApple's Notes and Files apps can scan paper documents and save them as PDFs you can share or print.
Google Drive scannerGoogle's free Drive app can scan documents with your phone's camera and save them as PDFs in your Drive.
Android camera or Google LensMany Android phones read QR codes in the camera app, and Google's free Google Lens can scan them too.
Common problems and how to cancel →Flashlight, calculator and utility apps
iPhone flashlight in Control CenterOpen Control Center and tap the flashlight button. You can also ask Siri to turn the flashlight on or off.
Android Quick SettingsSwipe down from the top of the screen to open Quick Settings, then tap the flashlight tile.
Built-in Calculator and Clock appsiPhones and most Android phones come with a calculator plus clock, timer, stopwatch and alarm apps from the phone maker.
iPhone Measure appApple's built-in Measure app can measure objects and works as a level on supported iPhones.
Common problems and how to cancel →Photo and video editing apps
Apple Photos appThe Photos app on iPhone, iPad and Mac can crop, straighten, adjust light and color, apply filters, and trim videos.
Apple iMovieApple's iMovie is a free download for iPhone, iPad and Mac for making simple movies with titles, music and transitions.
Google PhotosGoogle's free Photos app for Android and iPhone includes basic editing tools like crop, brightness, filters and video trimming.
Windows Photos and ClipchampWindows 11 includes the Photos app for basic edits and Microsoft's Clipchamp video editor, which has a free version.
Common problems and how to cancel →VPN apps
Microsoft Edge Secure NetworkMicrosoft's Edge browser includes Secure Network, a built-in VPN with a limited monthly data allowance for people signed in with a personal Microsoft account. Availability varies by region.
Your phone's cellular dataWhen you're away from home, using your own cellular data instead of an unknown public Wi-Fi network avoids many public Wi-Fi risks.
Secure (HTTPS) websitesMost banking and shopping sites already encrypt your connection. Look for the padlock or 'https' in the address bar before entering sensitive information.
Do you need one?If you mostly browse at home on a password-protected network, you may not need a paid VPN at all. A free option is honestly limited, so weigh your real needs.
Common problems and how to cancel →Phone cleaner and antivirus apps
iPhone Storage in SettingsOn iPhone, go to Settings, General, then iPhone Storage to see what's using space and get suggestions to free it up.
Google Play ProtectAndroid phones with Google Play include Play Protect, which checks apps for harmful behavior. Find it in the Google Play app under your profile.
Files by GoogleGoogle's free Files app for Android suggests junk files, duplicates and large files you can safely delete.
Microsoft Defender in Windows SecurityWindows 10 and 11 include Microsoft Defender Antivirus at no extra cost. Open Windows Security to check that protection is on.
Common problems and how to cancel →Fitness and diet apps
iPhone Health and Fitness appsiPhones include the Health app, which counts steps, and the Fitness app, which can track daily activity goals without an Apple Watch.
Your Android phone's health appMany Android phones come with a free health or step-counting app from the phone maker. Check your apps list before downloading another.
Start Simple with MyPlateThe USDA's free Start Simple with MyPlate app offers simple daily food goals. MyPlate.gov also has free recipes and nutrition tips.
Your public libraryMany libraries lend exercise DVDs and offer free streaming or classes. Ask your local library what is available with your card.
Common problems and how to cancel →Dating apps
The free version of the appMany dating apps let you create a profile, browse and message for free. Try the free tier for a while before deciding whether paid features are worth it.
Local groups and eventsLibraries, community centers, volunteer groups and faith communities often host free events where you can meet people in person.
Do you need the upgrade?There's no exact free replacement for paid dating features. If you upgrade, pick the shortest plan and turn off auto-renew right away.
Common problems and how to cancel →Kids' games and in-app purchases
Apple Ask to BuyWith Apple's Family Sharing, Ask to Buy sends a request to a parent's device when a child wants to buy or download something.
Google Play purchase approvalsWith Google Family Link or a Google family group, parents can require approval for purchases on Google Play.
PBS KIDS Games appPBS's PBS KIDS Games app offers free learning games for children ages 2 to 8, with new games added over time.
Require a password for every purchaseSet your App Store or Google Play account to ask for a password or biometric check on every purchase.
Common problems and how to cancel →Weather apps
Your phone's built-in weather appiPhones include Apple's Weather app, and most Android phones include a weather feature or widget from the phone maker or Google. Forecasts, hourly views and alerts are included at no charge.
National Weather Service (weather.gov)The federal government's weather site gives free forecasts, radar, and official watches and warnings for any U.S. location. No account or app is needed.
Wireless Emergency AlertsMost cell phones receive official emergency alerts, including dangerous weather warnings, at no charge. You do not need to download an app or subscribe.
Common problems and how to cancel →Wallpaper and ringtone apps
Use your own photos as wallpaperBoth iPhone and Android let you set any photo from your gallery as your lock screen or home screen background, right from the settings or Photos app, at no cost.
Built-in ringtones and text tonesEvery phone comes with a set of ringtones and alert sounds. You can pick different tones for different contacts in your phone's settings or contacts app.
GarageBand on iPhoneApple's own GarageBand app, a free download from the App Store, can turn an audio file you have into a custom ringtone, according to Apple's support instructions.
Your own sound files on AndroidMany Android phones let you choose an audio file saved on your phone as a ringtone from the sound settings, with no extra app needed.
Common problems and how to cancel →Translator apps
Apple Translate (iPhone)Apple's Translate app comes with iPhone. It translates typed text, speech and conversations, and you can download languages so it works without an internet connection.
Google TranslateGoogle's official Translate app is free on Android and iPhone. It translates text, speech and photos of signs or menus, and lets you download languages for offline use.
Camera text translation on your phoneNewer iPhones and many Android phones can translate text seen through the camera or in photos using built-in features, with no separate paid app.
Common problems and how to cancel →AI chat and AI photo apps
Official free versions from AI makersChatGPT from OpenAI, Gemini from Google, and Microsoft Copilot each offer a free version from the maker, with usage limits. Paid plans add more use and features.
Your phone's built-in photo editorThe Photos app on iPhone and the photo app on most Android phones can crop, straighten, adjust light and color, and apply filters at no cost.
Check the developer before downloadingOn the app store page, confirm the developer is the company that makes the AI tool, such as OpenAI, Google or Microsoft, rather than an unfamiliar name.
Common problems and how to cancel →Astrology and horoscope apps
Ask yourself: do you need a paid plan?There is no official free version of a paid horoscope app. If you read horoscopes for fun, free daily horoscopes in newspapers and on many websites may be enough.
Your public libraryMany libraries offer free access to newspapers and magazines, in print or online with a library card. Many of these publications include daily or weekly horoscopes.
Set a firm budgetIf you choose a paid app, pick one with a clear monthly or yearly price, avoid per-minute chats, and set a reminder before any trial ends.
Common problems and how to cancel →Sleep and meditation apps
Background Sounds on iPhoneiPhone has built-in Background Sounds, such as rain, ocean and balanced noise, found in Accessibility settings. They can mask noise and help with focus or sleep at no cost.
Bedtime and sleep tools on your phoneiPhone's Health app can set a sleep schedule, and many Android phones have a Bedtime mode that silences and dims the phone at night.
Mindfulness Coach from the VAThe U.S. Department of Veterans Affairs offers the free Mindfulness Coach app, with guided mindfulness exercises. It is available on the App Store and Google Play to anyone.
Apple Watch Mindfulness appIf you already own an Apple Watch, its built-in Mindfulness app offers short breathing and reflection sessions with no extra charge.
Common problems and how to cancel →Language learning apps
Your public libraryMany libraries give card holders free access to online language-learning programs, plus language books and audio courses. Ask your library or check its website for what it offers.
Free versions of language appsSeveral well-known language apps offer a free version with ads or daily limits. Try the free version for a few weeks before deciding whether a paid plan adds enough.
Your phone's translator for quick helpApple Translate on iPhone and Google's free Translate app can help with words and phrases while you study. They are tools, not full courses.
Common problems and how to cancel →Mobile game coins, gems and passes
Turn off in-app purchases on iPhoneApple's Screen Time settings let you block in-app purchases or require a password. Family Sharing's Ask to Buy lets a parent approve a child's purchases.
Require approval on Google PlayGoogle Play can require authentication for purchases, and Google's Family Link lets parents approve a child's app and in-app purchases made through Google Play billing.
Ask: do you need to buy anything?There is no free substitute for game currency, but most such games can be played without paying. Setting a monthly game budget, or zero, is a sound option.
Common problems and how to cancel →Password managers
Apple Passwords appiPhones, iPads and Macs include Apple's Passwords app, which stores and fills passwords and passkeys, can create strong passwords, and syncs across Apple devices with your Apple Account.
Google Password ManagerBuilt into Chrome and Android, Google Password Manager saves and fills passwords and passkeys, can warn you if saved passwords appear online, and is viewable at passwords.google.com.
Your web browser's password managerMajor browsers, such as Microsoft Edge and Firefox, include a free built-in password manager that saves and fills passwords when you sign in to websites.
Common problems and how to cancel →Keyboard and font apps
Your phone's built-in keyboardiPhone and Android keyboards include emoji, voice typing, autocorrect and many languages at no cost. You can add keyboards for other languages in settings.
Built-in text size and display settingsBoth iPhone and Android let you make text larger or bold in display or accessibility settings, which is often what people want from font apps.
Gboard from GoogleGoogle's official Gboard keyboard is free on Android and iPhone and includes emoji search, glide typing, voice typing and themes.
Microsoft SwiftKeyMicrosoft's SwiftKey keyboard is a free download on Android and iPhone, with themes, emoji and typing suggestions.
Common problems and how to cancel →Call and text blocker apps
iPhone call screening toolsiPhone's Phone settings let you screen unknown callers by asking why they are calling, or silence them so they go to voicemail. You can also block specific numbers.
Android call screening and spam filtersGoogle's Phone app offers spam filtering, and Call Screen on Pixel and some other Android phones in the U.S. Samsung phones include Smart Call.
Your phone company's toolsPhone companies block some suspicious calls and offer call-blocking or spam-labeling services or apps. Ask your carrier which tools are included at no extra charge.
National Do Not Call RegistryRegistering your number free at donotcall.gov tells legitimate telemarketers not to call. It will not stop scammers, but it can reduce sales calls.
Common problems and how to cancel →Subscriptions
Streaming services
Public library streaming appsMany libraries offer free movies, TV, ebooks and audiobooks through apps like Kanopy, hoopla and Libby. Ask your library which ones your card includes.
PBS appPBS's own app streams many shows and documentaries for free. Some extra content requires a station membership.
Over-the-air antennaAn indoor or outdoor TV antenna can pick up free local broadcast channels after a one-time purchase, depending on where you live.
Library DVDsMost public libraries lend movies and TV seasons on DVD for free.
Common problems and how to cancel →Software subscriptions
Microsoft 365 for the webMicrosoft offers free web versions of Word, Excel and PowerPoint in your browser with a free Microsoft account.
Google Docs, Sheets and SlidesGoogle's free documents, spreadsheets and presentations work in a browser or app with a free Google account.
Apple Pages, Numbers and KeynoteApple's word processor, spreadsheet and presentation apps are free for Mac, iPhone and iPad.
LibreOfficeLibreOffice is a free, open-source office suite for Windows, Mac and Linux, made by the nonprofit Document Foundation.
Common problems and how to cancel →Cloud storage
Free storage with your accountApple iCloud, Google accounts and Microsoft OneDrive each include free starter storage. Check your account's storage page to see how much you have.
Clean up what's storedDelete old device backups, large videos and duplicate files from your storage settings. This often frees more space than you'd expect.
Back up to a computer or driveCopying photos and files to your computer or an external drive is a one-time cost, not a monthly fee.
Common problems and how to cancel →Meal kits and subscription boxes
USDA MyPlate KitchenA free U.S. government recipe site at MyPlate.gov with budget-friendly meals, searchable by ingredient and cooking skill.
Your public libraryLibraries lend cookbooks and cooking magazines for free, and many offer digital copies you can borrow on your phone or tablet.
Plan from your grocery listPick a few simple recipes each week and buy only those ingredients. It takes a little planning but has no subscription.
Common problems and how to cancel →Gym memberships
Medicare Advantage fitness benefitsOriginal Medicare does not cover gym memberships, but some Medicare Advantage plans include fitness programs. Check your plan's benefits or Medicare.gov.
Local parks and recreationMany city and county parks have walking trails, outdoor fitness stations and low-cost classes. Check your local government's parks website.
Built-in phone activity trackingThe Health and Fitness apps built into iPhone count steps and track activity for free, and many Android phones include a similar health app.
Walking and body-weight exerciseWalking, stair climbing and simple strength moves at home need no membership. Ask your doctor what is safe for you.
Common problems and how to cancel →Credit score and credit report services
AnnualCreditReport.comThe official site, authorized by federal law, for free credit reports from Equifax, Experian and TransUnion. Free reports are available weekly.
Free credit freezeFederal law lets you freeze and unfreeze your credit for free at each of the three national credit bureaus.
IdentityTheft.govThe FTC's free site helps you report identity theft and get a step-by-step recovery plan.
Your bank or cardMany banks and credit card companies show a credit score free to their customers. Check your online account.
Common problems and how to cancel →Printer ink and printer subscriptions
Save as PDF insteadWindows includes 'Microsoft Print to PDF' and Macs have 'Save as PDF' in the print menu, so you can save forms and receipts without ink.
Share documents digitallyEmail or text documents, or show them on your phone, instead of printing them. Many offices and businesses accept digital copies.
Library printing (low cost)Not free, but many public libraries offer printing per page, which can cost less than owning a printer if you rarely print.
Common problems and how to cancel →News and magazine subscriptions
Your public libraryMany libraries offer free digital magazines and newspapers through their official apps and websites, such as Libby. All you need is a library card.
Library news databasesLibraries often provide free access to newspaper archives and current news from home with your library card number.
Public broadcastersPublic radio and TV stations publish news on their websites and apps free of charge.
Common problems and how to cancel →Online courses and memberships
Your public libraryMany libraries offer free online learning services for skills, languages and software. Check your library's website under digital resources.
Khan AcademyA nonprofit with free lessons in math, science, reading, finance and more, for learners of all ages.
MIT OpenCourseWareFree materials from many MIT courses, including notes, videos and assignments, available to anyone online.
CareerOneStopA free U.S. Department of Labor website for job training, career exploration and finding local training programs.
Common problems and how to cancel →Phone insurance and device protection
Ask: do you need it?There is no free phone insurance. If you rarely break phones, setting aside money for repairs, using a sturdy case and screen protector may cost less over time.
The maker's warrantyNew phones come with a manufacturer's warranty. Apple's iPhone warranty lasts one year in the U.S. It covers defects, not accidental damage, so check what your phone's warranty covers.
Coverage you may already haveSome credit cards include cell phone protection when you pay your phone bill with that card, and some home or renters policies cover theft. Check your benefits.
Common problems and how to cancel →Music and audiobook subscriptions
Libby (public library app)Borrow ebooks, audiobooks and magazines from your local library for free. You sign in with your library card.
hoopla (through participating libraries)Many libraries offer hoopla, which lends audiobooks, music albums, movies and more free with a library card. Ask your library if it takes part.
Spotify's free planSpotify offers a free plan alongside its paid ones. It has fewer features, but may be enough for casual listening.
Free public-domain audiobooksVolunteer projects such as LibriVox record older books whose copyrights have expired and share them free. Many libraries link to them.
Common problems and how to cancel →Home security monitoring
Self-monitoring with the maker's own appMany cameras, doorbells and sensors send alerts to your phone through the maker's own app. Check what works without a paid plan before you buy.
Local storageSome cameras can save video to a memory card or home hub instead of the cloud. This can remove the need for a recording plan.
Ask whether you need professional monitoringHonest note: there is no free version of 24/7 professional monitoring. Simple steps like good locks, lighting and timers cost little and need no plan.
Common problems and how to cancel →Car connected services and feature subscriptions
Apple CarPlayIf your car supports it, CarPlay puts your iPhone's maps, music, calls and messages on the car's screen. Apple lists no fee to use it.
Android AutoAndroid Auto is built into Android phones and shows maps, music and calls on a compatible car screen. Google lists no fee for it.
Your phone's map appFree map apps on your phone can replace paid built-in navigation for most trips, especially when used with CarPlay or Android Auto.
The key fobMany cars with remote start can do it from the key fob without any app plan. Check your owner's manual.
Common problems and how to cancel →Pet insurance
A pet savings fundHonest note: there's no free pet insurance. Setting aside a fixed amount each month in a separate savings account builds a fund you keep if your pet stays healthy.
Ask your vet about payment optionsMany vet offices offer payment plans or can suggest lower-cost treatment choices. Asking up front costs nothing.
Local shelters and low-cost clinicsSome animal shelters and community clinics offer low-cost vaccines, spay and neuter services. Call your local shelter to ask what's available.
Common problems and how to cancel →Roadside assistance memberships
Coverage you may already haveCheck your car insurance, new-car warranty, credit card benefits and phone plan. Some include roadside help at no extra cost.
State highway service patrolsSome states run highway patrols that help stranded drivers, such as Florida's Road Rangers, which provide limited no-cost help on certain highways.
Basic preparationA spare tire you've checked, a jump starter or cables, and a phone charger can handle many problems without a service call.
Common problems and how to cancel →Retail and warehouse memberships
Free store loyalty programsMany stores run free rewards programs with coupons and member prices. You can often get some discounts without a paid membership.
Store pickup and shipping minimumsMany retailers offer free in-store pickup or free shipping above a set order total, without a membership.
Track whether it pays offHonest note: some paid memberships do save money. Keep receipts for a few months and compare your savings to the fee.
Common problems and how to cancel →Satellite radio
AM/FM radioYour car's built-in AM and FM radio is free and carries local news, music, sports and weather.
Apple CarPlay or Android AutoPlay music, podcasts and audiobooks from your phone on your car's speakers, if your car supports them. Neither lists a fee.
Library audiobooks through LibbyLibby lends free audiobooks with a library card and works with CarPlay, Android Auto or Bluetooth for listening in the car.
Common problems and how to cancel →Website, domain and hosting renewals
Google Business ProfileLocal businesses can list hours, address, photos and updates on Google Search and Maps. Google says creating a profile is free.
Google SitesGoogle Sites lets you build a simple website with a Google account. It may be enough for a club, family or small project.
Ask if you need a custom domainHonest note: a custom domain name costs money each year. For some needs, a free profile or page works fine.
Common problems and how to cancel →Tax preparation software
IRS Free FileGuided tax software offered free through the IRS website for people with income under a limit the IRS sets each year. Start from IRS.gov to reach the right offers.
Free File Fillable FormsFree electronic versions of IRS forms with no income limit. There's no step-by-step guidance, so it suits people comfortable doing their own forms.
VITA free tax helpIRS-certified volunteers prepare basic returns free for people who generally meet an income limit, people with disabilities and limited English speakers.
TCE free tax helpTax Counseling for the Elderly offers free help that gives priority to people aged 60 and older, with focus on pensions and retirement questions.
Common problems and how to cancel →Genealogy and DNA test services
FamilySearchA free account gives access to billions of historical records and a shared family tree. It's run by The Church of Jesus Christ of Latter-day Saints and open to everyone.
National ArchivesThe National Archives offers free census images online for some years and points to free sources. Some paid sites are free on its own computers.
Your public libraryMany libraries offer genealogy databases you can use free in the library, and some have local history staff who can help.
Common problems and how to cancel →Identity theft protection services
Credit freezeFederal law lets you freeze your credit free at each of the three nationwide credit bureaus. A freeze helps stop new accounts being opened in your name.
Free credit reportsYou can get free weekly credit reports from all three bureaus at AnnualCreditReport.com, the official site.
Fraud alertsYou can place a one-year fraud alert free, which tells lenders to take extra steps to confirm it's you.
IRS Identity Protection PINAnyone with a Social Security number or ITIN who can verify their identity can request a free IP PIN to help block fake tax returns.
IdentityTheft.govThe Federal Trade Commission's free site to report identity theft and get a step-by-step recovery plan.
Common problems and how to cancel →Fees and services
Food delivery fees
Pick it up yourselfOrdering ahead and picking up your food skips delivery and service fees entirely. Many restaurants offer this on their own website or by calling.
Order from the restaurant directlySome restaurants run their own ordering or delivery, which may cost less than a third-party app. Compare the menu prices and fees.
Cook a simple mealFree recipe sites like USDA's MyPlate Kitchen offer quick, low-cost meals when you would otherwise order out.
Common problems and how to cancel →Event ticket fees
Buy from the official sourceStart from the venue's or team's own website or box office link to reach the primary seller and compare its total price with resale offers.
Free community eventsParks, libraries and local governments often host free concerts, plays and festivals. Check your city or county events calendar.
Library museum and culture passesSome public libraries lend free or discounted passes to local museums and attractions. Ask at your library.
Common problems and how to cancel →Hotel, airline and rental car fees
U.S. DOT air travel consumer helpThe Department of Transportation's website explains passenger rights, including refunds for canceled or significantly changed flights, and lets you file a complaint for free.
Book directly and compareCheck the hotel's, airline's or rental company's own website for the full price and fees, and compare it to travel sites before booking.
Check your existing coverageYour own car insurance or credit card may already cover rental cars. Call or read your policy before buying coverage at the counter.
Common problems and how to cancel →Internet, cable and phone bills
TV antenna for local channelsAn over-the-air antenna lets you watch local broadcast channels for free, with no monthly bill, after the one-time cost of the antenna.
Lifeline discount programLifeline is an FCC program that lowers phone or internet bills for eligible low-income households. Check eligibility through the FCC's Lifeline information pages.
Library Wi-Fi and computersPublic libraries offer free Wi-Fi and computer use, and some lend mobile hotspots. Ask your local branch.
Wi-Fi calling on your phoneMost iPhone and Android phones have a built-in Wi-Fi calling setting that can help in places with weak cell signal.
Common problems and how to cancel →People search and background check sites
Court record websitesMany state and county courts offer free online searches of case records. Check your state court system's official website.
National Sex Offender Public WebsiteNSOPW.gov is a free U.S. Department of Justice site that searches public sex offender registries across states.
Professional license lookupsState licensing boards offer free searches to check if a contractor, nurse or other professional is licensed.
California DROPCalifornia residents can use DROP, the state's free platform, to ask registered data brokers to delete their personal information.
Common problems and how to cancel →Extended warranties and protection plans
The manufacturer's warrantyMost new products come with a free warranty from the maker. Read it to see what is covered and for how long before buying more.
Credit card benefitsSome credit cards extend the maker's warranty on purchases. Check your card's benefits guide or call the number on your card.
FTC guidance on service contractsThe FTC's consumer website explains how extended warranties and service contracts work and what to ask before buying.
Set aside your own repair moneyInstead of a plan, some people save the cost in a fund for repairs. It stays your money if nothing breaks.
Common problems and how to cancel →Home warranties
A home repair savings fundHonest note: there's no free home warranty. Setting aside money each month for repairs gives you control over who fixes things.
Manufacturer warrantiesNew appliances and systems often come with a manufacturer warranty. Keep receipts and registration info so you can use them.
Regular maintenanceSimple upkeep like changing air filters and flushing a water heater can prevent some breakdowns. Your owner's manuals list the basics.
Common problems and how to cancel →Bank account and overdraft fees
Bank On certified accountsBank On, a national program, certifies low-cost accounts with no overdraft fees. You can search for a certified account near you at joinbankon.org.
Opt out of debit overdraft coverageBanks cannot charge overdraft fees on ATM and one-time debit card purchases unless you opt in. Ask your bank to turn that coverage off.
Low-balance alerts in your bank's appMost banks' own apps can send a text or notification when your balance falls below an amount you choose, for free.
Your bank's own ATM networkUse the ATM locator in your bank's official app to find machines where withdrawals carry no fee.
Common problems and how to cancel →Apartment and rental fees
Free copy of a tenant screening reportIf you are turned down because of a screening report, you have a right to a free copy if you ask within 60 days, and you can dispute errors.
Free weekly credit reportsCheck your credit reports for free at AnnualCreditReport.com before you apply, so you can fix errors first.
HUD-approved housing counselorsAgencies listed at hud.gov can help renters work out what rent they can afford. Ask the agency about any cost before you begin.
Local legal aid and tenant groupsMany areas have free legal aid offices or tenant groups that can explain local rules on fees and deposits.
Common problems and how to cancel →Utility and energy supply plans
Stay with your utility's standard rateYou can usually keep buying power or gas from your local utility at its regulated rate. You do not have to switch.
Your state utility commissionState public utility commissions explain your rights and, in states with energy choice, often list how to compare supplier offers.
LIHEAP energy helpThe federal Low Income Home Energy Assistance Program helps eligible households with heating and cooling bills. Apply through your state or local LIHEAP office.
Your utility's own programsMany utilities offer free tools like budget billing, usage alerts or energy-saving tips on their official website.
Common problems and how to cancel →Moving companies
FMCSA Protect Your MoveThe federal motor carrier agency's site, protectyourmove.gov, lets you check an interstate mover's USDOT registration and file complaints for free.
'Your Rights and Responsibilities When You Move'Interstate movers must give you this federal booklet. You can also read it free on the FMCSA website before you book.
Doing part of it yourselfPacking your own boxes or moving small items yourself can lower the cost. Get the mover's price for loading and transport only.
Common problems and how to cancel →Car dealer add-ons and fees
NHTSA recall lookupCheck any car's open safety recalls for free by VIN at nhtsa.gov/recalls. Recall repairs are done at no charge by the maker's dealers.
Financing from your bank or credit unionCompare a loan offer from your own bank or credit union before visiting the dealer, so you can tell if dealer financing is a good deal.
The used car Buyers GuideDealers must post a Buyers Guide on used cars showing whether the car is sold 'as is' or with a warranty. Read it before you buy.
Skip it or buy laterMany add-ons, such as gap coverage or service contracts, are optional and can often be bought elsewhere later. You can say no.
Common problems and how to cancel →Buy now, pay later and rent-to-own
Save first, then buySetting money aside each week and buying later costs nothing extra. Many banks' own apps offer free savings goals or separate savings buckets.
Layaway at stores that offer itSome stores still hold items while you pay over time, often with little or no fee. Ask about fees and refund rules first.
Credit union small-dollar loansFederal credit unions may offer payday alternative loans with capped rates to members. This is low cost, not free, so compare carefully.
Do you need it now?For non-urgent items, waiting, buying used or borrowing can avoid paying for credit at all.
Common problems and how to cancel →Money transfer and check cashing fees
Direct depositAsk your employer or benefits agency to deposit your pay straight into a bank or credit union account, which avoids check cashing fees.
Your bank's transfer featuresMany banks and credit unions let you send money to people in the US through their own app, often at no charge. Check your bank's fee schedule.
Mobile check depositMost banks' official apps let you deposit a check by taking a photo, free for account holders, though funds may take time to clear.
Bank On certified accountsIf you don't have a bank account, joinbankon.org lists low-cost certified accounts with no overdraft fees.
Common problems and how to cancel →Parking fees and parking apps
Pay at the meter or kioskMost city meters and kiosks still take coins or cards. Paying there usually avoids an app's added service fee.
Your city's official parking infoYour city or parking authority's official website lists rates, accepted payment methods and the app it actually uses, if any.
Built-in phone remindersSet a free timer or reminder on your iPhone or Android phone so you don't overstay and get a ticket.
Common problems and how to cancel →Funeral services
Itemized price lists from several funeral homesFuneral homes must give you a General Price List to keep, and must give prices by phone if you ask. Comparing two or three is free.
Direct cremation or immediate burialThese simpler options are usually listed on the price list and generally cost less. A casket is not required for cremation.
VA burial benefits for veteransEligible veterans can receive a gravesite in a national cemetery with space, a government headstone or marker, a burial flag and a Presidential Memorial Certificate.
FTC funeral guideThe Federal Trade Commission's free guide at consumer.ftc.gov explains Funeral Rule rights and how to shop for services.
Common problems and how to cancel →Prepaid debit cards
Bank On certified accountsLow-cost bank and credit union accounts certified by the Bank On program have no overdraft fees. Search for one at joinbankon.org.
The short-form fee chartPrepaid card packages must show a short fee chart with key fees. Comparing these charts before you buy costs nothing.
Free account info onlineCard issuers must make balance and transaction history available for free. Use the card's official app or website instead of paid phone calls.
Common problems and how to cancel →Insurance
Homeowners insurance
About this listHomeowners insurance has no free version. These free resources help you check, compare, or lower the cost of coverage; they do not replace it.
Your state insurance departmentEvery state has one. It answers consumer questions, confirms whether a company or agent is licensed, and takes complaints. Find yours through the NAIC's state map at content.naic.org.
Free CLUE report from LexisNexisUnder the Fair Credit Reporting Act you can get a free copy of your CLUE claims history for home and auto. Check it for errors before you shop and dispute mistakes.
Quotes through an independent agentAn independent agent can compare several insurers at once. This helps you shop; it does not replace coverage. Ask how the agent is paid.
FORTIFIED roof standard (fortifiedhome.org)A voluntary building standard from the nonprofit IBHS. A certified FORTIFIED roof may earn an insurance discount in some states; ask your insurer before you re-roof.
Common problems and how to cancel →Commercial property insurance
About this listThere is no free commercial property insurance. These free resources help you understand and compare coverage; they do not replace a policy.
Your state insurance departmentEvery state has one. It answers consumer questions, confirms whether a company or agent is licensed, and takes complaints. Find yours through the NAIC's state map at content.naic.org.
Quotes through an independent agentAn independent agent can compare several insurers at once. This helps you shop; it does not replace coverage. Ask how the agent is paid.
NAIC Consumer Insurance SearchA free tool from the National Association of Insurance Commissioners for looking up insurers and closed complaint information before you buy.
FORTIFIED roof standard (fortifiedhome.org)A voluntary building standard from the nonprofit IBHS. A certified FORTIFIED roof may earn an insurance discount in some states; ask your insurer before you re-roof.
Common problems and how to cancel →Renters insurance
About this listRenters insurance has no free version. These free resources help you understand, compare, or add coverage; they do not replace a policy.
Your state insurance departmentEvery state has one. It answers consumer questions, confirms whether a company or agent is licensed, and takes complaints. Find yours through the NAIC's state map at content.naic.org.
Quotes through an independent agentAn independent agent can compare several insurers at once. This helps you shop; it does not replace coverage. Ask how the agent is paid.
Free CLUE report from LexisNexisUnder the Fair Credit Reporting Act you can get a free copy of your CLUE claims history for home and auto. Check it for errors before you shop and dispute mistakes.
Flood coverage for renters at FloodSmart.govFEMA's National Flood Insurance Program sells contents-only flood policies to renters in participating communities. FloodSmart.gov explains how to find one.
Common problems and how to cancel →Flood insurance
About this listFlood insurance has no free version. These free official resources help you understand risk and options; they do not replace coverage.
FloodSmart.gov from FEMAThe official National Flood Insurance Program site explains flood risk, what flood policies cover, and how to find a provider. Information only; you still buy coverage through an agent or insurer.
Your state insurance departmentEvery state has one. It answers consumer questions, confirms whether a company or agent is licensed, and takes complaints. Find yours through the NAIC's state map at content.naic.org.
Quotes through an independent agentAn independent agent can compare several insurers at once. This helps you shop; it does not replace coverage. Ask how the agent is paid.
Your local floodplain officeMany cities and counties have a floodplain manager who can explain your flood zone and local flood maps. Check your local government's website.
Common problems and how to cancel →Auto insurance
About this listAuto insurance has no free version, and most states require it. These free resources help you check and compare coverage; they do not replace a policy.
Your state insurance departmentEvery state has one. It answers consumer questions, confirms whether a company or agent is licensed, and takes complaints. Find yours through the NAIC's state map at content.naic.org.
Free CLUE report from LexisNexisUnder the Fair Credit Reporting Act you can get a free copy of your CLUE claims history for home and auto. Check it for errors before you shop and dispute mistakes.
Quotes through an independent agentAn independent agent can compare several insurers at once. This helps you shop; it does not replace coverage. Ask how the agent is paid.
NAIC Consumer Insurance SearchA free tool from the National Association of Insurance Commissioners for looking up insurers and closed complaint information before you buy.
Common problems and how to cancel →AblePro has no relationship with any company named on this page and receives nothing for mentioning them. Features and prices change; check the maker’s own site.