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Trim review

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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.


Monthly fee




Service fee


Monthly fee$0
Service fee33%
ATMsNo access to ATMs

Expert review

Cassidy Horton

Review by

Cassidy Horton is a writer for Finder, specializing in banking and investments. She has a Bachelor of Science in Public Relations and a Master of Business Administration from Georgia Southern University. Cassidy enjoys educating people about financial services, exploring the Pacific Northwest and watching endless reruns of The Office.

Expert review

If you want personalized advice on how to automate your finances and find ways to save money, Trim may be a good fit. 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 33% cut of your savings upfront.

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.

How much does it 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 Negotiation33% of yearly savings paid upfront
Debt Payoff$10 a month
Simple Savings$2 a month or free with Debt Payoff subscription

Is Trim safe to use?

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 33% 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.

Compare Trim with other budgeting software

Data indicated here is updated regularly
Name Product Fee Service fee Platforms
Chime Spending account
Linked checking and savings accounts from a mobile-first bank that’s light on fees.
Finny provides top-notch money guides, simple investing tools, ideas and insights.
Emma helps you in avoiding overdrafts, finding wasteful subscriptions and giving you control over your finances.
You won’t pay a dime if this company can’t lower your monthly bills. But you’ll pay a hefty fee if it does.
Get financial advice, pay off debt, create a budget and automate savings with this budgeting app. But be prepared to pay for extra features.

Compare up to 4 providers

How to sign up

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

Signing up with Facebook:

  1. Go to the official Trim website. Click Sign Up With Facebook.
  2. Log in to Facebook.
  3. Click Send to Messenger.
  4. Click Add An Account and connect your primary spending account.

Signing up with an email address:

  1. Go to the official Trim website. Click Sign Up For Free.
  2. Enter your full name, email and password.
  3. Click Link with SMS and enter your phone number. Click Send me the code.
  4. Enter your Trim security code and click Submit.
  5. 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.

Frequently asked questions

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