Pick Trim
Choose Trim if you want automated bill negotiation, subscription cancellation concierge, and are comfortable linking your US bank account via Plaid.
Privacy-first subscription tracking vs bank-linked bill negotiator
Trim connects to your bank to find and cancel subscriptions automatically, taking 15% of negotiated savings. SubHorizon gives you full visibility without sharing your banking credentials — and works globally.
Direct answer
Trim is ideal if you want someone to negotiate your bills and cancel subscriptions for you — but it requires full bank access and only works in the US. SubHorizon is for builders who want control, privacy, and global subscription intelligence without handing over banking credentials.
Pick SubHorizon
Choose SubHorizon if you value privacy (no bank login), live outside the US, want AI receipt parsing and analytics, or prefer to manage cancellations yourself with full visibility.
Pricing
- SubHorizon Pro€9.99/monthUp to 20 subscriptions, analytics, multi-currency
- SubHorizon Max€29.99/monthUp to 200 subscriptions, AI parsing, smart recommendations
- TrimFree (15% of savings for negotiations)Requires bank login via Plaid · US only
Vendor siteasktrim.com (opens in a new tab)
Feature comparison
| Feature | SubHorizon | Trim |
|---|---|---|
| Focus | Subscription tracking & intelligence | Bill negotiation & cancellation |
| Pricing | €9.99/mo / €29.99/mo | Free (15% of negotiated savings) |
| Bank login required | No (privacy-first) | Yes (Plaid required) |
| Geographic availability | Global | US only |
| AI text import | Pro and Max · 2 credits per parse | No |
| AI tool catalog | Pre-seeded (18+ tools) | No |
| Bill negotiation | No | Yes (15% of savings) |
| Cancellation service | No | Yes (automated) |
| Multi-currency | 20+ currencies | USD only |
| Spending analytics | Trends, breakdowns, insights | Basic spending dashboard |
| Budget goals | Yes | Basic budgeting |
| Renewal alerts | 30/60/90-day proactive | Spend alerts |
| Calendar view | Yes | No |
| Export (PDF/CSV) | Yes | No |
Frequently asked questions
Is Trim really free?
SubHorizon Pro is €9.99/month including VAT for 20 subscriptions and 200 AI credits. Max is €29.99/month including VAT for 200 subscriptions, 1,000 credits and personalized stack reviews. Compare the provider’s current regional offer alongside the features you need; currencies, tax and billing terms can differ.
Why does SubHorizon not require bank access like Trim?
SubHorizon is privacy-first by design. Instead of scanning bank transactions, it uses AI receipt parsing, a pre-seeded tool catalog, and manual entry. You decide exactly what data enters the system — nothing is pulled from your bank accounts.
Can I use Trim outside the United States?
No. Trim requires a US bank account linked via Plaid and only works with US-based financial institutions. SubHorizon works globally with 20+ currencies and no bank login requirement.
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