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Client-side bill auditing tool

Audit any bill.
Find the errors.

Upload a medical bill, receipt, paycheck, or loan statement. BillVeto checks every line against official CMS rates and flags overcharges, duplicates, and calculation errors.

No account requiredRuns locally in your browserOpen source

Drop your bill here, or click to upload

Supports PDF, photos, and text files up to 20 MB

PDFPhotoTextCSV

On mobile, tap to use your camera.

Tips for best results with photos
  • ✓ Lay the bill flat on a well-lit surface
  • ✓ Make sure all text is in focus and not blurry
  • ✓ Avoid shadows and glare across the text
  • ✓ Include the entire bill in the frame
  • ✓ For multi-page bills, upload one page at a time or paste the full text

BillVeto auto-detects what you paste — medical bill, receipt, paystub, or loan statement — and runs every applicable check.

Processed locally in your browser. Nothing is sent to a server.

Process

How It Works

Three steps. Under a minute.

Upload Your Bill

Take a photo, upload a PDF, or paste the text. Supports medical bills, receipts, paystubs, loan statements, and restaurant tabs.

Automated Analysis

BillVeto identifies the bill type and cross-references every line item against a database of 250+ CPT codes sourced from the CMS Medicare Physician Fee Schedule.

Dispute Letter

If errors are found, BillVeto generates a professional dispute letter citing specific CPT codes, Medicare rates, and relevant legal references.

Rate Database

250+ CPT/HCPCS codes sourced from the CMS Medicare Physician Fee Schedule (2024–2025).

Detection Methods

Flags charges exceeding 2.5x fair-market rates, CCI bundling violations, duplicate charges, and common upcoding patterns.

Privacy Architecture

Static site with no backend. All processing happens in your browser via WebAssembly. No data is transmitted, stored, or logged.

Insurance

Insurance Payment Verification

Upload your Explanation of Benefits (EOB) to verify your insurance company paid what they owe.

What Gets Checked

  • Allowed vs. billed amounts — Verifies your insurer's allowed amount is reasonable compared to fair market rates
  • Patient responsibility — Checks that co-pay, co-insurance, and deductible amounts are calculated correctly
  • Denied claims — Flags services that are commonly covered but were denied
  • Surprise billing — Identifies potential No Surprises Act violations
  • Preventive care — ACA-mandated preventive services must be covered at $0 cost-sharing

Your Legal Rights

  • No Surprises Act (2022) — Protects against surprise bills for emergency services and out-of-network care at in-network facilities
  • Right to appeal — Insurers must offer internal and external appeal processes reviewed by independent third parties
  • Itemized billing — Providers must furnish an itemized statement within 30 days of request
  • Good Faith Estimate — Uninsured and self-pay patients can request a cost estimate before treatment
  • ACA preventive care — Certain screenings, vaccines, and wellness visits require $0 cost-sharing

Why this matters

$220B
in U.S. medical debt
Source: KFF
80%
of medical bills contain errors
Source: Healthline
76%
of reported errors get corrected
Source: CFPB

Questions

Frequently Asked Questions

Is this really free?

Yes. BillVeto is a static site — there are no servers to maintain and no user data to manage, so there's nothing to charge for. It will remain free.

How accurate is the audit?

BillVeto checks against 250+ CPT/HCPCS codes from the CMS Medicare Physician Fee Schedule (2024-2025). It catches above-market pricing (2.5x+ the fair rate), CCI bundling violations, duplicate charges, and common upcoding patterns. For complex clinical disputes, consult a medical billing advocate.

Is my data private?

BillVeto is a static site with no backend server or database. Your bill is processed entirely in your browser using client-side JavaScript. No data is transmitted, stored, or logged. This is an architectural guarantee — there is no server that could receive your data even if it tried.

Does the dispute letter work?

Research from the CFPB shows that 76% of consumers who formally report billing errors get them corrected. A dispute letter citing specific CPT codes, Medicare rates, and legal references gives you a structured starting point.

Can I use this for insurance EOBs?

Yes. Paste your Explanation of Benefits text and BillVeto will verify billed amounts, allowed amounts, and patient responsibility calculations. It flags denied claims that should be covered and potential No Surprises Act violations.

What if my bill doesn't have CPT codes?

Request an itemized bill from your provider — they're legally required to provide one within 30 days. An itemized bill with CPT codes gives BillVeto the most data to work with.

How are the rates kept current?

CMS publishes updated Medicare fee schedules annually as public data. The current rate database reflects 2024-2025 national averages and is updated each year from this official source.

Support

Get in Touch

Questions about your audit results, help with a dispute, or general feedback.

[email protected]

We typically respond within 24 hours.

Audit Questions

Help understanding results or what the findings mean

Dispute Guidance

How to send your letter, next steps, and follow-up

General

Feedback, bug reports, or feature suggestions

General inquiries: [email protected]

BillVeto is a one-person project. If it helped you, consider supporting continued development.

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