Choose Trim if
You can’t, actually.
- Trim has shut down and is no longer accepting new users or negotiations.
- If you still have a Trim account, contact OneMain Financial (Trim's owner) directly for any outstanding questions about your data.
Comparison · Updated May 2026
Trim alternative: what to use now that Trim has shut down
Short answer: Trim shut down in November 2024. If you used Trim to negotiate cable, internet, or wireless bills, Dip is the closest successor — a negotiation agent that places real outbound phone calls on your behalf. Dip is a flat $15/month or $149/year subscription with a savings guarantee, where Trim took 33% of first-year savings.
Already decided to switch? See the Trim to Dip migration guide — feature mapping, what to do about your old Trim account, and how to get started.
Which one fits the job?
Choose Dip if
You want the same job done — for less.
- You want the specific job Trim did well — negotiating cable, internet, and wireless bills on your behalf — without a percentage cut on what gets saved.
- You want to listen to the recording of the call afterward and approve every commitment before money moves.
- You want a savings guarantee — if Dip does not beat its subscription cost in year one, the subscription is refunded.
- You want broader coverage than Trim had: insurance, home security, gym, alarm monitoring, contracted home services.
Side-by-side
| Attribute | Dip— what we do | Trim— competitor |
|---|---|---|
| Status | Active. In closed beta as of May 2026.Dip available | Shut down November 2024. No longer accepting new users or negotiations. |
| Primary action | Places real outbound phone calls to negotiate lower rates on bills you keep using | Subscription tracking + bill negotiation handled by Trim's team |
| Payment model | $15/month or $149/year, flat | Was 33% of first-year savings on negotiated bills, plus a premium tier |
| Negotiation fee | None. Dip keeps no share of savings.Dip wins | 33% of first-year savings |
| Year-one savings guarantee | Yes — if Dip does not successfully lower at least one of your bills in year one, your subscription is refundedDip wins | No |
| How negotiations were performed | AI voice agent places a live call on your behalf; you can listen back to every recording | Negotiations were handled by Trim's team via email and phone |
| Bills supported | Cable, internet, wireless, auto + home insurance, home security, gym, alarm monitoring, satellite, contracted home services, credit card APR/feesBroader | Primarily cable, internet, wireless, and some medical bills |
| User approves every change | Yes — every commit requires explicit in-app approval before money movesDip wins | Trim handled the negotiation end-to-end |
| Recordings and transcripts | Every call recorded and transcribed; user can listen backDip wins | Not provided |
Trim ceased operations in November 2024. Pricing and feature details reflect publicly reported information about Trim's service prior to shutdown and are provided for comparison only.
What Dip does not do
Out of scope
A few things people ask about when switching from Trim — and the honest answer to each.
- Importing your old Trim data.Trim was owned by OneMain Financial; Dip cannot access or import data from Trim. Dip detects your current recurring bills directly from your bank transactions via Plaid, so you do not need any history from Trim to get started.
- Medical billing.Trim handled some medical-bill negotiation. Medical billing is on Dip's roadmap but is not in the v1 product.
- Reviving Trim itself.If you have outstanding questions about your old Trim account — historical data, final billing, anything Trim still owed you — contact OneMain Financial directly. Dip cannot help with that.
Frequently asked
What happened to Trim?
Trim, the bill-negotiation and subscription-tracking app owned by OneMain Financial, shut down in November 2024. The service stopped negotiating new bills and existing users were notified that the product was being wound down. There is no current path to using Trim — the brand is effectively retired.
What is the best Trim alternative for bill negotiation?
For the specific job Trim did best — negotiating cable, internet, and wireless bills on your behalf — Dip is built for that. Dip places a real outbound phone call to your provider, negotiates a lower rate, and lets you approve the change before money moves. The pricing model is different: Dip is a flat $15/month or $149/year subscription, where Trim took 33% of first-year savings.
How is Dip different from how Trim worked?
Three meaningful differences. First, Dip is a flat subscription with a year-one savings guarantee, where Trim took a percentage cut of savings. Second, Dip uses an AI voice agent that places the call in real time, and you can listen to the full recording afterward — Trim's process was opaque. Third, Dip requires you to approve every commit before any change is made to your account, where Trim handled negotiations end-to-end.
Does Dip do subscription tracking like Trim did?
Not as a primary feature. Dip will surface recurring charges it detects, but the focus is on negotiating bills you want to keep — not finding and canceling subscriptions you forgot about. For subscription discovery and cancellation, Rocket Money is the closer fit to that side of what Trim used to do.
Is my old Trim data still accessible?
That is a question for OneMain Financial, who owned Trim. Dip cannot access or import data from Trim. If you connect your bank account to Dip through Plaid, Dip will detect your current recurring bills directly from your transactions — no Trim history required.