What Happened to Trim? The App, the OneMain Acquisition, and What to Use Now

Updated August 2026. If you came here for a scored review of the Trim app — or just to ask is Trim still around? — the honest answer is that there is no longer a standalone Trim app to review. OneMain Financial acquired Trim in 2021, the standalone product has since been retired, and the features Trim was known for now live inside OneMain MyMoney, aimed primarily at OneMain customers. The rename is visible in public records: asktrim.com now presents itself as "Trim by OneMain," and the Trustpilot listing for asktrim.com carries the OneMain MyMoney name. Reviews still rating Trim as a live consumer product are describing something you can no longer sign up for the way you could a few years ago.

That is a retirement and a relocation, not a shutdown in the sense that Intuit's Mint was shut down. The name and the technology still exist, just inside a lender's customer tooling rather than as a product marketed to everyone. Below is what Trim actually did, what the acquisition changed in practice, what former users should do about the accounts they linked, and which services now cover each half of what Trim offered.

What Trim actually did

Trim was a "money assistant" built on a required bank connection. You linked your bank and card accounts, and Trim analyzed that account activity to find recurring charges you might have forgotten about. From there it did two quite different jobs:

It found and cancelled subscriptions. Recurring charges were surfaced in one list, and Trim could act on the ones you no longer wanted. Core services like this were free.

It negotiated bills. This was the differentiator. For fixed monthly bills you intended to keep paying, mainly cable, internet, and phone, Trim would contact the provider and try to get the rate lowered. It kept a 33% commission on the savings it secured. If it saved nothing, it charged nothing.

Those two jobs matter separately, because no single replacement today does both halves in exactly the way Trim did. Trim was also a web product rather than a polished mobile app, which is worth remembering when you compare it to phone-first alternatives.

What the OneMain acquisition changed

After OneMain Financial acquired the company, the standalone Trim product was wound down and its capabilities were folded into OneMain's MyMoney experience. Practically, that means three things:

1. There is no standalone Trim app to download or sign up for. The consumer product most people mean when they say "Trim" is retired.
2. The surviving features are aimed primarily at OneMain customers, so they are positioned as part of a lending relationship rather than as an independent tool anyone can pick up.
3. The old domain still resolves — rebranded. asktrim.com now presents as "Trim by OneMain," and the domain's Trustpilot listing carries the OneMain MyMoney name, which is a large part of why stale reviews and "best of" lists keep recommending Trim as if nothing changed. A live web page is not the same thing as a live consumer signup.

Worth stating plainly: the service behind Trim did not die. Bill negotiation continues under OneMain MyMoney — recent customer reviews on the domain's Trustpilot listing describe negotiations with internet and phone providers being completed as recently as this month. What ended is Trim as an independent app that anyone could pick up alongside Rocket Money and the rest of the field.

If you are a OneMain or Brightway customer, it is reasonable to look at what MyMoney offers you today. If you are not, this is not the product you are shopping for, and you should treat any 2026 article that ranks Trim against Rocket Money as out of date. Our verified roundup of what replaced it is at Trim alternatives.

Old Trim charges, commissions, and refunds

Two loose ends former users keep asking about. First, "send us your bill" — the phrase people remember from Trim's negotiation flow. Sharing a copy of the bill was step one because the negotiators needed your account number, plan, and current rate before calling the provider; every negotiation service still works that way. Second, refunds. Trim's negotiation commission (33%) was a share of the savings the negotiation secured, so if the negotiated rate never actually showed up on your bill, you have a concrete, documentable complaint. Take it to OneMain MyMoney support with the charge date, the amount, and the bill showing the rate never changed — and if that stalls, dispute the charge with your card issuer using the same evidence.

What to do if you were a Trim user

• Revoke the bank connection at your bank, not just in the app. Most banks and card issuers list third-party data connections somewhere in security or privacy settings. Removing an app or abandoning a login does not always revoke the data permission you granted.
• Save the recurring-charge list before you lose access. Screenshot or export it. That list is the single most useful thing Trim produced, and rebuilding it from statements takes an evening.
• Check your statements for anything still billing. If a negotiated-savings commission or any other charge is still recurring, contact support and get written confirmation of where it stands.
• Diarize your negotiated bills. Negotiated rates usually sit with the provider as a promotional term, and promotional terms expire. When one lapses, nobody is watching that bill on your behalf anymore. Put the end date in your calendar and either renegotiate yourself or hand it to a service that will. Our walkthrough is at how to negotiate lower bills.

Replacement camp 1: bill negotiation

If what you valued was somebody else arguing with your cable company, you want a negotiation service, not a subscription tracker.

Rocket Money is the closest single-product successor. It requires a bank link, runs on iOS, Android, and web, and has a free tier plus a pay-what-you-want Premium tier that runs roughly $7 to $14 per month with a 7-day trial. Check current pricing before you commit. Its bill negotiation is charged at 35% to 60% of the first year's savings, which is a meaningfully higher cut than Trim's 33%. On a hypothetical $240 of first-year savings, that is $84 to $144 to the service rather than $79. Note that Rocket Money was rebranded from Truebill in 2022; Truebill no longer exists as a brand, so any comparison article pitting "Trim vs Truebill" is doubly obsolete. See our Truebill review for the history.

Hiatus takes the other fee approach. It also requires a bank link and runs on iOS, Android, and web. There is a free tier, and Premium is $9.99 per month or $35.99 per year. Its concierge negotiates larger bills for a flat fee rather than a percentage of what it saves. The trade is simple: a percentage model costs you nothing when it fails, while a flat fee costs the same either way but lets you keep all of a large win.

Fee structures side by side, including services where you submit a bill without linking anything, are in the best bill negotiation services.

Replacement camp 2: subscription tracking and cancellation

The other half of Trim was finding and killing recurring charges. Here the real dividing line is whether a tool requires access to your financial accounts.

If the appeal of Trim was that something else did the work once you handed over account access, the honest recommendations are Rocket Money Premium or DoNotPay, because contacting merchants on your behalf is literally what they do. Gravity is our app and it does not do that. There is no bank connection and nobody cancels anything for you; you get the correct current steps for a specific service and carry them out yourself. For people who were never comfortable linking accounts in the first place, that is the trade they were looking for.

Other names in old Trim reviews that are also out of date

Old comparison posts tend to pit Trim against a lineup that has itself churned. Truebill became Rocket Money in 2022. Intuit shut Mint down in March 2024 and pushed users to Credit Karma, which focuses on credit monitoring and does not replace Mint's budgeting or subscription tools. DoNotPay reached an FTC settlement, finalized in early 2025, over its "AI lawyer" marketing and continues to operate. If an article recommends Mint or Truebill by name, it has not been updated in years. Current comparisons are at Rocket Money alternatives.

How to choose

• Your problem was a large fixed bill. Go to a negotiation service and compare the fee models first: percentage of savings versus flat fee. Start with the best bill negotiation services.
• Your problem was forgotten subscriptions and you do not mind linking accounts. Rocket Money is the direct descendant of what you had, with automatic detection plus a cancellation team on the paid tier.
• You never liked the bank link. Use a manual tool. Bobby if you want a free-to-download list with renewal reminders and nothing more. Gravity, our app at $19.99 per month or $59.99 per year, if you also want free-trial deadlines tracked and verified cancellation steps for each service you are trying to leave.

Whichever way you go, start with one clean pass through your statements so the new tool begins with an accurate list: how to do a subscription audit.