1. Should you try Trim (OneMain MyMoney)? Overview

What it is	Trim was a pioneering subscription-cancellation and bill-negotiation assistant; after OneMain Financial’s 2021 acquisition it was folded into OneMain MyMoney and no longer exists as a standalone app.
Country / HQ	San Francisco, California, USA (founded 2015; acquired by OneMain Financial 2021)
Best for	OneMain loan and Brightway card customers who still get free bill negotiation – everyone else should look elsewhere.
Check before buying	Discontinued as a standalone product: asktrim.com redirects to OneMain MyMoney; negotiation is now exclusive to OneMain customers.
Editor rating	3.4 / 5
Pricing signal	Free — no paid tier

2. Features What it does

Feature	What it does
Subscription cancellation (historical)	Text-based cancellation of unwanted recurring charges – free.
Bill negotiation (historical)	Negotiators cut cable/internet/phone bills for 15% of first-year savings.
Subscription tracker (current)	OneMain MyMoney still scans linked accounts for recurring charges.
Budget tool (current)	Simple income/expense budgeting in MyMoney.
Car insurance comparison	Partner-based rate shopping via Savvy.
Transaction alerts	Fee and charge notifications.
OneMain integration	Negotiation now gated to OneMain loans and Brightway cards.

3. Pricing Pricing (2026-10, USD)

Plan	Price / mo	Key limits & who it fits
OneMain MyMoney	$0	All current features are free.
Bill negotiation (current)	OneMain customers only	Free for OneMain loan and Brightway card holders.
Legacy Trim pricing	Retired	Was $6.99-9.99/mo premium plus 15% success fee.

Trim did not shut down entirely – it was rebranded. Non-OneMain customers get only tracking and must cancel/negotiate themselves; Rocket Money is the closest full replacement.

4. Integration Access & integrations

Access type	Details
Banks	Plaid account linking.
Platform	Web (onemainmymoney.com); no standalone app.
Owner	OneMain Financial (OneMain Trim, LLC).
Insurance	Savvy partnership for auto quotes.

5. Reviews & Sources External reviews

Source	Rating	What it says
Historical Trustpilot	Mixed	Long Track record of successful negotiations; fee complaints common.
Post-acquisition reviews	Negative	Reviewers report the standalone product is gone despite stale listings.
Media coverage	Consistent	2025-2026 guides confirm Trim = OneMain MyMoney rebrand.

6. Best for / Not for Fit

✔ Suitable	✘ Not suitable
• OneMain Financial customers (free negotiation benefit) • Anyone curious about the old Trim model for comparison	• General consumers seeking a standalone app (it no longer exists) • Users wanting Rocket Money-style open access

7. Competitors How it compares

Competitor	How it differs	Best for
Rocket Money	The direct heir: open to everyone, with subscription cancellation and negotiation.	Ex-Trim users.
Hiatus	Flat-fee premium instead of percentage-of-savings negotiation.	Predictable pricing.
PocketGuard	Budgeting-first with in-app cancellation shortcuts.	Budget-centric users.

8. Summary Verdict

Takeaway	Trim wrote the playbook for subscription cancellation, but the brand survives only inside OneMain’s ecosystem – most readers should use Rocket Money instead.
Who should pick it	OneMain/Brightway customers who get the benefit free.
Who should skip it	Everyone else – the standalone Trim is retired.