Trim by OneMain is a financial assistant that finds recurring charges and negotiates bills. Like most tools in the category, it works by connecting to your bank and scanning your transactions. If you'd rather not hand over that access, here's the alternative.
Ditch reads the receipts already sitting in your inbox instead of your bank transactions. It identifies each subscription, shows the amount and renewal date, and links you to cancel — no negotiation fee, no financial data shared.
| Factor | Trim | Ditch |
|---|---|---|
| Detection method | Bank transactions | Email receipts |
| Bank login required | Yes | No |
| Takes a cut of savings | Yes (~33% on negotiation) | No |
| Email content stored | N/A | Never |
| Price | Free + negotiation fee | Free to start |
Ditch — it scans email receipts, uses read-only access, and is free to start.
It connects to your bank and scans transactions, and offers bill negotiation for a cut of the savings.
No — it finds subscriptions and helps you cancel the ones you don't use, with no fee taken from your savings.
Scan your inbox. See every subscription. Ditch what you don't need.
Try Ditch — Free