Do I need to connect my bank?

No. Never. You add subscriptions manually, which means Subkept never gets your bank credentials, transaction feed, or card history.

No. We are not an ad business and we do not sell personal data. The product works because people pay for the product, not because we squeeze value out of their information.

What happens if I cancel?

You can export your data, and when you close the account we delete the data associated with it. There is no dark-pattern off-ramp.

How is this different from Rocket Money or Mint?

Those tools lean on bank connections and transaction scraping. Subkept does not. You tell us what matters, we help you manage it, and your bank stays out of the loop.

Is Trim still operating?

After OneMain Financial acquired Trim in 2021, the consumer Trim service has been substantially scaled back per public reporting. Confirm directly with Trim before signing up; we flag this with a verification note on the page.

What did Trim charge for bill negotiation?

Trim historically charged 15 percent of the first year of savings, down from an earlier 33 percent fee.

Does Subkept negotiate bills?

No. Subkept does one job: track subscriptions and surface what is worth cutting.

What is the modern Trim alternative for bill negotiation?

For bill negotiation specifically, Rocket Money is the most direct active alternative. For privacy-first subscription tracking without a bank link, Subkept is the alternative.

Can I keep my data private with Subkept?

Yes. Subkept never touches bank credentials, never sells data, and stores subscription records under row-level security.

Subkept vs Trim

Subkept

Privacy-first

VSUpdated May 2026

Trim

Bill negotiation service

Subkept vs Trim: tracker vs bill negotiator

Trim was a bill-negotiation service that took a percentage of your savings, with a bank-linked subscription monitor on the side. Subkept is a tracker, not a negotiator. They were never the same product. Trim's consumer service has also been substantially reduced since the OneMain acquisition; confirm current status before signing up.

Subkept and Trim were never really competing for the same users. Trim was a bill-negotiation service that also happened to show you a list of your subscriptions. Subkept is a subscription tracker that does not negotiate bills at all. Comparing them is useful mainly if you are deciding whether you need tracking or negotiation.

There is also a practical wrinkle worth knowing upfront: Trim's consumer service has been substantially scaled back since OneMain Financial acquired the company in 2021. Public reporting since 2022 indicates the product is no longer actively onboarding new users in the same way. Any evaluation of Trim today should start by verifying it is still operating.

If what you need is a focused subscription tracker with no bank link and flat pricing, Subkept fills that role. If what you need is bill negotiation on phone, cable, or internet providers, Rocket Money is the most active option currently available.

Side-by-side: 16 features

Every row reflects the feature's status on each product's current public release.

Feature	Subkept	T Trim
Bank connection required	No	Yes
Manual entry	Yes	No
Subscription tracking	Yes	Yes
Renewal reminders	Yes	Yes
Price-hike alerts	Yes	No
Trial countdown	Yes	No
Calendar view	Yes	No
Worth-It scoring	Yes	No
Bill negotiation	No	Yes
Cancellation service	No	Yes
Multi-currency	Yes	No
Household sharing	Yes	No
Data export	Yes	No
Free tier (no time limit)	Yes	bank link
Dark mode	Yes	No
Works offline / PWA	Yes	No

Swipe to see all columns →

Who should choose which

Choose Subkept if you...

You want a focused subscription tracker, not an automated bill negotiator.
You do not want any tool linked to your bank account.
You want predictable pricing instead of a percentage cut on savings.

Choose Trim if you...

You specifically want bill negotiation on phone, cable, or internet bills.
You are comfortable with bank linking and SMS-driven workflows.
You have confirmed Trim is still actively serving new users in your region.

Honest tradeoffs

Things neither product's marketing page will tell you upfront.

Trim was built for bill negotiation. Subkept does not negotiate. If lowering a Comcast bill is the goal, Subkept will not solve that.

Trim historically required a bank link. Subkept never has and never will.

Trim's product has been deprioritized since OneMain Financial acquired the company. Anyone evaluating Trim today should verify it is still operating.

Frequently asked questions

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