Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

Trim app review

This budgeting site analyzes spending and offers personalized advice to help you reach your goals.

Trim helps you save money by finding ways to cut excess spending from your finances. But you’ll pay a monthly subscription to take advantage of its other features, such as bill negotiations and debt payoffs.

No reviews yet. Write a review

$0 per month



Service fee


Fee$0 per month
Service fee15%
ATMsNo access to ATMs

Review by

Cassidy Horton is a writer for Finder, specializing in banking and kids’ debit cards. She’s been featured on Legal Zoom, MSN, and Consolidated Credit and has a Bachelor of Science in Public Relations and a Master of Business Administration from Georgia Southern University. When not writing, you can find her exploring the Pacific Northwest and watching endless reruns of The Office.

Expert review

Trim app is best for those who want personalized advice on how to automate their finances and find ways to save money. It’s a comprehensive money management service designed to help you trim down on spending and debt, so you can use those funds for more important things.

But its freemium setup means you’ll pay for additional features like bill negotiation and a debt payoff plan. And if it successfully negotiates a lower bill on your behalf, it takes a 15% cut of your savings upfront.

How much does Trim cost?

Trim is a freemium service — you don’t pay for the basic version. It’s free to create an account, cancel subscriptions, set bill reminders and get savings suggestions.

You pay for additional features like bill negotiation, debt payoff and simple savings.

Bill Negotiation15% of yearly savings paid upfront
Debt Payoff$10 a month
Simple Savings$2 a month or free with Debt Payoff subscription

How do I open a Trim account?

Set up your Trim account online using Facebook or an email address.

Signing up with Facebook:

  1. Select Apply now.
  2. From the official Trim website, click Sign Up With Facebook.
  3. Log in to Facebook.
  4. Click Send to Messenger.
  5. Click Add An Account and connect your primary spending account.

Signing up with an email address:

  1. Select Apply now.
  2. From the official Trim website, click Sign Up For Free.
  3. Enter your full name, email and password.
  4. Click Link with SMS and enter your phone number. Click Send me the code.
  5. Enter your Trim security code and click Submit.
  6. Click Add An Account and connect your primary spending account.

How to add an account to Trim once you’ve signed up:

  1. Once you’ve created your Trim account, select your primary financial goals.
  2. Trim will ask you a series of questions about your debt, savings, residence, age, credit score, pre-tax income and more.

How does Trim work?

Trim is a financial management service that offers personalized advice to help you reach your financial goals.

The site analyzes your financial transactions and helps automate your savings, create a budget and pay off your debt. Trim can also negotiate your cable or Internet bill, find and cancel unwanted subscriptions, create a debt pay-off plan and more for a fee.

Is Trim legit?

Trim safeguards your financial and personal information with 256-bit SSL encryption on its website and read-only access. Data is protected by bank-level security and all users sign in using two-factor authentication.

What are the pros and cons of Trim?


  • Free to use. Get free advice on how to save money and trim excess spending from your budget.
  • Automates finances. Set up bill reminders, cancel unwanted subscriptions and more.
  • Trim Simple Savings account. Earn 1.6% interest on money kept in this FDIC-insured account.
  • Debt Payoff. Trim negotiates the APR on your debt, helps you create a budget, grow your savings and automate extra credit card payments to pay off debt faster. Plus, you get access to a financial coach.


  • Access to financial accounts. Trim must connect to your bank and credit card accounts to analyze transactions.
  • Free version is limited. Users get access to subscription cancellations, bill reminders and savings suggestions. Simple Savings and Debt Payoff are extra.
  • High bill negotiation fee. Trim takes an upfront 15% cut of any savings it earns you when it negotiates a bill.

Check out our guide to budgeting for beginners before you decide to use it.

Trim app reviews and complaints

Trim is accredited by the Better Business Bureau (BBB), which gives it a B rating based on the company’s handling of 77 complaints during the past three years. Trim also has 47 customer reviews on the BBB’s website, earning an average rating of 2.62 out of 5.

On Trustpilot, Trim has 414 reviews with an average rating of 3.7 out of 5. Across both Trustpilot and the BBB’s website, customers praise Trim for saving them money, but other reviewers complain about hidden fees, disappointing savings and questionable business practices.

Compare Trim with other budgeting software

Compare other budgeting tools based on their fees and supported platforms.

Name Product Fee Service fee Platforms
Tiller Money
Not rated yet
Tiller Money
Use Tiller Money to automate your budgeting spreadsheets and pay off debt.
Finder Rating: 3.4 / 5: ★★★★★
Digit savings is a microsavings app that helps you avoid overdrafts and passively set aside cash for short-term goals.
Not rated yet
Trim analyzes spending and offers personalized advice to help you reach your goals.

Compare up to 4 providers

How do I contact Trim?

If you have questions or need help with your account, email to converse with Trim‘s customer support team. You can also email to report a complaint relating to the banking services.

Frequently asked questions

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site