Trim is not called Trim anymore. The app that used to cancel your subscriptions and haggle with your cable company is now OneMain MyMoney, and it belongs to the lender OneMain Financial. It is free to use, but the two features Trim was famous for, bill negotiation and done-for-you cancellations, are now reserved for OneMain loan and Brightway credit card customers.
The old asktrim.com address now forwards to onemainmymoney.com, and the first thing the page says is “Trim is now OneMain MyMoney.” Not a OneMain customer? You can still sign up free to find and track your subscriptions, but you will have to cancel them and negotiate your bills yourself, or use an app like Rocket Money that does it for you.
We checked every detail in this review against OneMain MyMoney’s own site, help center and terms for this update. If you only want someone to lower your bills, skip ahead to our list of the best bill negotiation services.
What Happened to Trim?
Trim started out as a chatbot that scanned your card statements, texted you a list of recurring charges and canceled the ones you did not want. Later it added bill negotiation, which is what most people knew it for.
In May 2021, Trim joined OneMain Financial, a personal loan company. The product was renamed OneMain MyMoney, and the company behind it is now OneMain Trim, LLC. The old Trim website is gone and its address forwards to the MyMoney site.
One thing to clear up. Trim did not turn into Rocket Money. Rocket Money is the app that used to be called Truebill, and it is a separate company. You can read about that one in our Rocket Money review.
So if you had a Trim account, you now have a MyMoney account. And if you are here because someone told you to “try Trim,” the product they meant is the one below.
What OneMain MyMoney Does Now
MyMoney has two tiers, and no one pays for either. What you get depends on whether you are a OneMain Financial loan customer or a Brightway credit card holder.
| Feature | Anyone who signs up | OneMain and Brightway customers |
|---|---|---|
| Find and track subscriptions | Yes, free | Yes, free |
| Cancel a subscription for you | No. You get the merchant’s contact info and cancel it yourself | Yes, free |
| Bill negotiation | Not available | Yes, free |
| Spending and transaction alerts | Yes, free | Yes, free |
| Budget tool | Yes, free | Yes, free |
| Car insurance comparison | Yes, free, through a partner called Savvy | Yes, free |
| VantageScore credit score | Not included | On the dashboard for OneMain loan customers |
Subscription tracking
This is the part that still works for everyone. You link a bank account or credit card through Plaid, and MyMoney looks through your transactions for recurring charges. Your subscriptions show up on one page, usually within a few minutes to an hour.
The catch is what happens next. If you are not a OneMain or Brightway customer, the “Cancel this” button just shows you how to reach the merchant. You make the call. Customers can hand the cancellation off, and MyMoney contacts the biller for them.
Bill negotiation
For OneMain and Brightway customers, this works the way Trim always did. You upload a recent bill, add your account PIN if your provider uses one, and a negotiator contacts the company to ask for a lower rate or a one-time credit. MyMoney says the savings should show up on your bill within one to two months.
It will not sign you up for a contract without your permission. It also keeps watching for price increases after the first round, and you can ask for a renegotiation whenever you want.
Budgeting, alerts and car insurance
The rest is simple money tracking. You get alerts on transactions and fees, a monthly budget tool where you enter your income and expenses, and a car insurance check that hands your policy to Savvy to shop for a lower rate. There is also a help section on medical bills and healthcare costs.
The debt payoff tool, the savings account and the student loan help that the old Trim offered are not listed anywhere on the current site or help center. We could not confirm that any of them still exist.
What Trim Costs Now
Nothing. MyMoney’s help center lists every feature as free, including bill negotiation and subscription cancellation for the customers who qualify. The success fee the old Trim charged when it lowered a bill is gone.
That makes it the cheapest bill negotiation you will find if you already have a OneMain loan or a Brightway card. You keep 100% of whatever it saves you.
Compare that with the paid route. Rocket Money charges 35% to 60% of your first year’s savings when a negotiation works, and you pick the percentage. Save $240 a year on your internet bill and you would owe $84 to $144. Starting November 2, 2026, Rocket Money is dropping that fee and moving bill negotiation into its Premium+ plan, which is $15 a month plus tax.
So the math is easy. OneMain or Brightway customer? Log in to your OneMain account, open MyMoney from there and let it negotiate for free. Everyone else has to pay somebody or pick up the phone.
Which Bills Trim Will Negotiate
MyMoney negotiates most wireless, internet, phone, cable and home security bills, plus SiriusXM. It says it works with most providers, and it names Comcast and Spectrum.
Here is what it will not touch:
- Electricity, gas, water and garbage bills
- Prepaid phone plans
- Credit card bills or your card’s APR
- Closing your account with a provider. It lowers the bill, but it will not cancel the service for you
It is also US only. If your biggest bills are cable, internet and your cell phone, that list covers you. If you were hoping for help with your power bill, no negotiation service here will do it.
Is OneMain MyMoney Safe?
Yes, it is a real product from a real lender, and the setup is standard for money apps. MyMoney says it uses 256-bit SSL encryption, encrypted databases and two-factor authentication when you sign in.
Your bank login goes through Plaid. MyMoney says your credentials never touch its servers, and that it only gets read access to your transactions. It cannot move your money. You can cut off access any time by unlinking the account.
Two things to know before you link anything. First, bill negotiation means giving a negotiator your provider account details and PIN. That is normal for this kind of service, but it is still access. Second, MyMoney’s own disclaimer says the site may be paid by advertisers, so expect to see offers for financial products while you use it.
Nervous about linking a bank account to an app owned by a lender? Then track your subscriptions somewhere else. The tool is free, so you lose nothing by skipping it.
What Is Not Great About Trim Now
The best features are locked. Without a OneMain loan or a Brightway card, you get a subscription list, alerts and a budget tool. That is useful, but plenty of free apps do the same.
There is no standalone app. MyMoney runs in your browser. OneMain customers can reach it inside the OneMain Financial app, and everyone else uses the website.
No utilities. Power, gas, water and trash are all off the table.
It is a smaller product than it used to be. The extras the old Trim was adding are not on the current site, and there is no premium tier to upgrade into.
None of that matters if you are a OneMain customer, because free negotiation is hard to beat. For everyone else, MyMoney is a subscription tracker, and you will want something that actually does the canceling.
Trim Alternatives That Still Do the Work for You
If you are not a OneMain or Brightway customer, these are the two we would look at first.
Rocket Money is the closest thing to the old Trim. The free plan tracks your subscriptions, budgets and bill due dates. Premium cancels subscriptions for you and comes with a 7-day free trial, and you choose your price on a sliding scale. Its team also negotiates cable, internet and phone bills, with the fees we covered above.
- Lower your internet, phone, and cable bills automatically
- Trusted by 10 million+ members to cut monthly expenses
- Contacts providers to find discounts and hidden savings
- Saves users an average of $300 per year
Empower is for a different job. It will not cancel anything or call your cable company. Pick it if what you liked about Trim was seeing your whole financial picture in one place.
- Track your portfolio and see your full financial picture in one place
- Optimize your investments with advanced retirement projections
- Get started for free and take control of your retirement today
Want more choices? Our roundup of apps that save you money covers more ways to cut your monthly costs.
Trim FAQs
If you are not a OneMain or Brightway customer, Rocket Money is the closest match to what Trim used to do. Its free plan tracks your subscriptions, Premium cancels them for you, and its team negotiates cable, internet and phone bills. Today you pay 35% to 60% of your first year’s savings when a negotiation works. Starting November 2, 2026, negotiation moves to the Premium+ plan at $15 a month plus tax with no success fee.
Trim joined OneMain Financial in May 2021 and now runs as OneMain MyMoney. The old asktrim.com address forwards to onemainmymoney.com, and the company behind it is OneMain Trim, LLC. It did not become Rocket Money, which is a separate company that used to be called Truebill.
Only for OneMain Financial loan customers and Brightway credit card holders, and it is free for them. It covers most wireless, internet, phone, cable and home security bills, plus SiriusXM. If you are not a customer, bill negotiation is not available, so you would need a service like Rocket Money instead.
Yes. MyMoney’s help center lists every feature as free, including subscription tracking, transaction alerts, the budget tool and the car insurance comparison. Bill negotiation and done-for-you subscription cancellation are also free, but only OneMain and Brightway customers get them.
It does for OneMain and Brightway customers. For everyone else, MyMoney finds your subscriptions and shows you how to contact the merchant, and you cancel them yourself. Rocket Money Premium will cancel subscriptions for you if you want that part handled.
MyMoney says it uses 256-bit SSL encryption, encrypted databases and two-factor authentication. You connect your bank through Plaid, your login details never reach MyMoney’s servers, and it only gets read access to your transactions. You can unlink an account any time.
There is no standalone MyMoney app. OneMain customers can open MyMoney inside the OneMain Financial app, and everyone else uses the website on a phone or computer.
Is Trim Worth It? Our Verdict
Trim still exists, just under a new name and for a narrower crowd. As OneMain MyMoney, it is a free and useful perk if you already borrow from OneMain or carry a Brightway card. Free bill negotiation with no cut taken is a better deal than any paid service.
For everyone else, it is a free subscription tracker and not much more. You will find the forgotten charges, but you will be the one canceling them and calling your cable company.
- You have a OneMain loan or a Brightway card
- Your biggest bills are cable, internet or cell phone
- You only want a free list of your subscriptions
- You are not a OneMain or Brightway customer and want bills negotiated for you
- You want someone else to cancel your subscriptions
- You want a phone app
Advertiser disclosure: We may receive compensation from some of the companies listed on this page. This does not influence our reviews. OneMain MyMoney is not an advertising partner. Plans, fees and features change. Confirm the current terms on each company’s site before you sign up.
