The present invention relates generally to a process for determining optimized communication rate plans for one or more communications devices across one or more communications networks. The present invention provides for determining an intelligent rate plan for a user having one or more devices operative on a communications network with one or more rate plans. The present invention, in one or more embodiments provides a user of communication devices with a cost-effective rate plan solution in relation to the user's use of their devices and available cost-savings programs available to the user.