PocketGuard
Track spending and save money automatically with smart insights
About Trim
Trim (now Trim by OneMain) is a personalized financial manager that acts as a digital assistant to help you "trim" the fat from your budget. Unlike traditional budgeting apps that just track spending, Trim takes action on your behalf. It scans your transaction history to identify recurring subscriptions you might have forgotten about and offers to cancel them for you.
One of Trim's standout features is its professional bill negotiation service. Their team of "master negotiators" contacts service providers—like Comcast, AT&T, and Verizon—to lower your monthly rates or secure one-time credits. It’s a low-risk way to save money, as you generally only pay if they successfully find savings for you.
Key Features
- Subscription Cancellation: Automatically identifies recurring monthly or annual charges and handles the cancellation process for you.
- Bill Negotiation: Professional agents negotiate your cable, internet, and phone bills to secure lower rates.
- Medical Bill Negotiation: Specialized assistance to help reduce medical debt and establish more favorable payment plans.
- APR & Bank Fee Negotiation: Contacts banks to request lower credit card interest rates or the waiver of unfair fees.
- High-Yield Savings: Access to "Simple Savings" accounts with competitive interest rates to grow your money on autopilot.
- Spending Alerts: Real-time notifications via text or Facebook Messenger about large transactions or upcoming bills.
- Financial Health Score: A quick snapshot of your financial well-being based on your income, debt, and spending habits.
Pricing
Basic
Free
Transaction monitoring, spending alerts, and subscription identification.
Bill Negotiation
15% Fee
Trim charges 15% of the total yearly savings they secure for you. No savings, no fee.
Premium
$99/year
Includes bill negotiation, debt payoff tools, and 4% APY on savings (up to $2,000).
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Who Should Use Trim?
Trim is the perfect choice for the "passive saver"—someone who knows they probably spend too much on recurring bills but doesn't have the time or interest to sit on hold with customer service departments. It is particularly valuable for households with multiple cable/internet bills or medical debt. While it offers budgeting tools, its true value lies in its concierge services that actively put money back in your pocket through negotiation and cancellation.