Trim

Trim by OneMain is a personal finance tool focused on subscription and spending awareness. After you connect your bank and credit card accounts, it analyzes your transaction history to identify recurring subscription charges so you can see where your money is going and look for opportunities to save.

The product is clearly aimed at individual consumers who want to reduce unnecessary spending without manually combing through statements. You sign up with email, Google, or Facebook, then securely link your financial accounts via Plaid, which supports over 15,000 U.S. institutions. Trim is available on the web and through mobile apps on both iOS and Android, so you can review findings from your phone or computer.

According to their security documentation, Trim does not store your banking credentials; those are handled by Plaid, which returns a read‑only token that gives Trim access to your transactions. The service uses 256‑bit SSL encryption, AWS hosting, and a third‑party vault (VGS) for especially sensitive data, and it supports two‑factor authentication for additional protection. They emphasize that they do not sell your data.

From an automation standpoint, Trim does automatically scan and classify your transactions to surface recurring subscriptions, but the site does not describe more advanced autonomous actions, like automatically canceling services or performing multi‑step workflows on your behalf. The underlying technology and whether it uses modern AI models isn’t disclosed. If you’re looking for a full‑featured budgeting platform, investment management, or a highly configurable AI agent that can execute complex financial tasks, this tool likely won’t be sufficient on its own. Pricing details beyond “free to sign up” are not provided, so it’s unclear what paid tiers or limitations may exist.