Gravity
Trim App Review 2026: Can It Really Save You Money on Bills?
Track every subscription in one private list with Gravity, get renewal & free-trial alerts, and let its AI guide you through canceling, step by step. No bank login.
Get Gravity →2026 update: Trim has effectively wound down and is no longer a service we'd recommend signing up for. This review is kept for reference. If you want bill negotiation today, Rocket Money offers a comparable concierge service; if you want private, no-bank subscription tracking, see Gravity.
Trim at a Glance
Best for: Bill negotiation and subscription tracking
Platforms: iOS, Android, Web
Price: Free (percentage of savings for bill negotiation)
Standout Feature: Automated bill negotiation service
What Is Trim?
Trim is a personal finance app that combines subscription management with a powerful bill negotiation service. Like other subscription trackers, it connects to your financial accounts and automatically identifies recurring charges. But Trim's real differentiator is its ability to contact your service providers, cable, internet, phone, insurance, and negotiate lower rates on your behalf.
If you're paying too much on monthly bills and don't want to spend hours on the phone haggling, Trim does the heavy lifting for you.
How Trim Works
See how Gravity tracks this, and guides you through canceling, step by step. Private iPhone app, no bank sync required.
★ 4.8 (50ratings) · No bank sync · Private & on-device
Connect Your Accounts
Link your bank accounts and credit cards to Trim using secure encryption. The app reads your transaction history to detect patterns.
Subscription and Bill Detection
Trim scans your accounts and compiles a list of recurring charges. This includes subscriptions (streaming, software, memberships) and fixed bills (utilities, insurance, cable).
Review Your Results
Your Trim dashboard shows everything you're paying for in an organized, easy-to-read format. You can review each charge and decide which ones to investigate, cancel, or negotiate.
Activate Bill Negotiation
For eligible bills, you can authorize Trim to contact your provider and negotiate a lower rate. Trim keeps 33% of whatever savings it secures for the first year, so if they save you $30/month ($360/year), Trim earns $119. There's no cost if they don't save you money.
Key Features
Automatic Subscription Detection
Trim identifies all recurring charges from your linked accounts, making it easy to spot subscriptions you've forgotten about or no longer use.
Bill Negotiation
Trim's signature feature. The app contacts providers like Comcast, AT&T, Spectrum, and insurance companies and negotiates on your behalf. Success rates vary by provider, but many users see meaningful reductions on cable and internet bills in particular.
Savings Recommendations
Beyond negotiation, Trim analyzes your spending patterns and offers personalized recommendations for where you could save more money each month.
Cancellation Support
While Trim doesn't offer a full concierge cancellation service like Truebill, it provides clear instructions for canceling subscriptions you no longer want.
Financial Insights
Trim provides a broad view of your financial health, including spending trends, income tracking, and personalized tips.
Trim Pricing
| Feature | Cost |
|---|---|
| Subscription tracking | Free |
| Financial insights | Free |
| Bill negotiation | 33% of first year's savings |
The fee structure for bill negotiation is worth understanding before you sign up: if Trim saves you $20/month on your cable bill, that's $240 in annual savings, and Trim takes about $79 of that. You keep $161. Over the full term, the savings continue without any ongoing fee.
Pros and Cons
Pros
- Bill negotiation is genuinely effective, especially for cable and internet
- No upfront cost for bill negotiation; you only pay if they save you money
- Automatic subscription detection surfaces hidden recurring charges
- Clean, intuitive interface that's easy to use
- Personalized savings recommendations go beyond just subscription management
- Web access available in addition to mobile apps
Cons
- Bill negotiation isn't guaranteed, some providers resist negotiation
- 33% fee can feel steep if you achieve large savings
- No concierge cancellation, you have to cancel subscriptions yourself
- Results depend heavily on your specific providers, some are much easier to negotiate with than others
- Some features limited to US providers
Trim vs. Truebill: Which Should You Choose?
| Trim | Truebill | |
|---|---|---|
| Auto subscription detection | ✅ | ✅ |
| Bill negotiation | ✅ | ✅ |
| Concierge cancellation | ❌ | ✅ |
| Monthly fee | Free | $3–$12 |
| Negotiation fee | 33% of savings | Included in premium |
Choose Trim if your main goal is reducing monthly bill costs and you don't mind Trim taking a percentage of the savings.
Choose Truebill if you want someone to cancel subscriptions for you and prefer a flat monthly fee over a percentage-based fee.
Who Should Use Trim?
Trim is ideal for people who:
- Pay premium prices for cable, internet, or insurance and want to lower those costs
- Want automatic subscription detection without a monthly app fee
- Are comfortable with a performance-based fee model
- Don't need help with the actual cancellation process
Real-World Results
Users report Trim securing meaningful reductions on negotiated bills, with some seeing significantly larger cuts on high-priced cable packages. When combined with the identification of forgotten subscriptions, the total monthly savings can add up to a noticeable amount.
Final Verdict
Trim is a solid, effective financial tool, especially if you're paying too much for cable, internet, or insurance. The bill negotiation feature delivers real results, and the subscription tracking is reliable. The main limitation is the absence of a concierge cancellation service, meaning you'll need to handle cancellations yourself. But for users focused on reducing fixed monthly costs, Trim is hard to beat.
Rating: 4.4 / 5
