Best Bill-Cutting Apps Like Truebill [2023]

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Editor’s Note: Truebill has officially rebranded itself as Rocket Money. Same exact product but with improved aesthetics. Feel free to head over to our updated post, Best Bill-Cutting Apps Like Rocket Money.

Truebill is a budget & bill tracker app that helps people lower their bills, manage subscriptions, review spending, and optimize budgets. This all-in-one app also helps you monitor your credit score and put funds into savings.

The Truebill app itself is free on the Google Play and Apple App stores, but they also offer premium services for between $3 and $12 per month. While there are certainly many great benefits to Truebill, it’s important to make an informed decision. To help you decide, we’ll take a closer look at some apps like Truebill and give a short review of each. Some of these are free and others charge a fee, which we’ll disclose on each one.

Check out our full review of Rocket Money!

Apps like Truebill #1


Hiatus is an app that is a bill and money manager; that is, it allows users to manage their bills and track subscriptions. Their premium features allow users to cancel unwanted subscriptions and negotiate better rates. Several reviewers noted that Hiatus was able to negotiate a cheaper rate on their phone bill, saving them hundreds of dollars a year.


Hiatus helps you negotiate a lower price on your bills, and makes sure you are on top of your finances.

Key features of Hiatus:

  • Bill Tracking: It automatically tracks your monthly bills and subscriptions all in one place so that you can see where your money is going on a month-to-month basis.
  • Bill Negotiation: Hiatus will provide a team of negotiation experts to help you negotiate with vendors on your behalf. They used to charge a fee for this, however recently they have done away with that.
  • Budgeting: Much in the same way other popular apps such as Mint and Quicken allow you to budget all in one place, Hiatus does the same.
  • Privacy & Security: Hiatus is committed to taking privacy and data security seriously using 256-bit encryption – which is a standard level of encryption for banks.
  • Overdraft Fee Control: This app will help you to prevent overdrafts from occurring.

To use this app, you need to connect it to your checking account, savings account, or credit card. Hiatus needs to have access to these accounts to analyze your spending habits and produce feedback about how you can reduce your expenses.

Cost: As of 2023, the Hiatus app charges a monthly fee of $9.99 per month for its premium features. This Hiatus app charge is automatically and directly charged to your bank account. As a bill and money manager app with a very reasonable monthly fee, Hiatus is one of the most popular bill-cutting apps around.

Check out our full review of Hiatus!

Apps like Truebill #2


Trim helps users automatically negotiate lower rates on bills (such as utilities and medical bills). They also save users money by canceling unused subscriptions. The app also connects to your debit or credit card and bank accounts to analyze your transactions. Their algorithm helps point out any subscriptions you should cancel.

Key features of Trim:

  • Monitors spending activity to find opportunities to save you money
  • Track funds for a goal-based savings account
  • Helps you cancel unwanted subscriptions
  • Negotiates with your bank to waive interest charges and get refunds on unwarranted bank fees
  • Simple Savings account that provides a 4% annual reward

To use the app, you need to sign up for an account and connect it to your credit card and bank accounts. Trim uses this data to find your recurring purchases and any other costs that can be trimmed down. Their savings features are great for people looking for new ways to save toward future expenses.

Cost: Trim charges 15% of your first-year savings that they are able to net you through their Bill Negotiation feature. Otherwise, they do not charge any monthly fees to use their online app. This makes their pay structure very straightforward and easy to understand compared to Truebill.

Check out our in-depth comparison of Trim vs. Rocket Money!

Apps like Truebill #3


Mint is another money management app that allows users to track their expenses. Their integrated tools allow users to reach financial goals with customized plans and budgets. Mint members can also keep track of their personal credit scores and find tips to help them save money by cutting expenses.

Key features of Mint:

  • Tracks spending habits and subscription fees
  • Allows custom budget creation to help users balance their finances
  • Helps users control spending with a money spending tracker
  • Sends bill reminders to make sure users don’t end up with costly overdraft fees
  • Uses collected data to help users create a budget that fits their financial needs

To get started with Mint, you need to create an account and connect your credit card and banking information. Their tools also allow you to connect mortgages, student loans, and other financial accounts to allow a better overview of your financial situation.

Cost: Mint is completely free. Not only can you download the app for free, but you can use all its features without any monthly fees or transaction fees.

Check out our full review of Mint!

Or, check out our in-depth comparison of Rocket Money vs. Mint!

Apps like Truebill #4


Prism by BillGo is another bill management app that helps you view and pay all your bills in one place. This app is only available through app stores, since it doesn’t offer a desktop version. However, they process all payments, which allows you to make payments on bills without going to a third-party site.

Features of Prism by BillGo:

  • Bill payments. The main dashboard of the Prism app shows all of your accounts in one place. You can see balances, pending transactions, and due dates for bills. You can also search for transactions, pay your bills, add new accounts and add or edit billers.
  • Categorization. Some subcategories include subcategories to further break down spending. If you pay a bill for heating and air conditioning services, it will be categorized as “Utilities” with a subcategory of “Heating & A/C.”
  • Account syncing. Prism syncs with over 13,000 different banks and credit unions to automatically import biller information and transaction history. Once your accounts are linked to Prism, all of your information is updated each day automatically.
  • Automatic bill tracking. The more organized you are with your finances, the better off you’ll be. To do just that, by keeping track of your bills in Prism, you can simply link your online accounts to the app and let it collect your data. That means you don’t have to manually enter anything, which reduces the chances of entering information incorrectly.
  • Bill splitting. If you have roommates or love going out with large groups of friends, this feature is for you! With a few taps on your smartphone screen, you can split an expense and send payment requests to those who owe you money. This is a great way to avoid awkward conversations about who should pay for what.
  • Great customer support. Their customer support team is available 24/7, and they quickly respond to all requests. This is surprising because they’re such a small company – just about 20 employees in total!
  • Payment reminders. You’ll never forget to make a payment again with this handy feature. When it’s time to pay a bill, Prism will send you an email or text message reminding you that it’s due.
  • Ease of use. Prism is designed to be incredibly easy to use, even for people who aren’t very tech-savvy or don’t have much experience managing money online.

This app is pretty simple and offers tools that are great if you’re mostly interested in tracking and managing your finances. Unlike Truebill though, it doesn’t offer services to help you negotiate lower fees.

To get started on Prism, you need to sign up for an account and connect your credit cards and bank accounts. You can set up payments for all your recurring bills without needing to log in to each individual account.

Cost: The Prism app is 100% free to use. The app will not charge you to pay bills. They offer free same-day bill pay, and the bills get paid in seconds. You can also schedule payments weeks in advance. In fact, if they mess up and you incur a late payment fee, you’ll be reimbursed up to $1,000 on their Prism Payment Promise program. However, they do have a penalty charge; there is a returned item charge of $15 if they attempt to pay a bill on your behalf, but you have insufficient funds in your account.

Check out our full review of Prism!

Apps like Truebill #5


BillShark is an app that helps negotiate bills, allowing users to lower their bills. The app’s tools also allow users to cancel subscriptions without jumping through hoops. Users can get lowered rates on their internet, phone, TV, and home security services. Their tool also provides a quick estimate of your annual savings.

Key features of BillShark:

  • Helps users lower their bills and cancel unwanted subscriptions with the help of their team of experts
  • Services help users lock in lower rates for insurance
  • Savings calculator helps users see their annual savings
  • Reminders to help you restart negotiations when your reduced rates expire

To get started on BillShark, download the app and connect your credit cards and banking information. BillShark also requires your phone number and social security number.

Cost: There are no monthly fees to use BillShark. However, they’ve got some relatively high fees for their services rendered. They charge 40% of savings for renegotiations, and a flat fee of $9 for cancellations.

Check out our full review of BillShark!

Apps like Truebill #6


You Need a Budget (YNAB) is a personal budgeting app that syncs with your desktop accounts, allowing you to instantly access your information on any device. The theory behind YNAB is that when you give every dollar a job, you’ll be able to break the paycheck-to-paycheck cycle.

Key features of YNAB:

  • Utilizes a zero-based budgeting approach
  • Helps users create a customized budget that they’ll actually use
  • Syncs information instantly across devices
  • Calculates amount saved by paying off debt
  • Provides a visualized spending analysis

To get started with YNAB, download the app or visit their website to sign up for an account. Once you have an account, you’ll have to connect all your credit cards and savings accounts. You’ll also have to assign a purpose for every dollar you spend so you know where your money is going before it’s spent.

Cost: YNAB’s service costs $14.99/month if you pay monthly and $8.25/month if you pay annually. While that may seem like a lot, YNAB justifies the price by pointing out that the average user saves $6,000/year after subscribing! YNAB also offers users a generous—and oddly specific—34-day free trial to decide whether the tool is right for them.

Check out our full review of YNAB!

Apps like Truebill #7

Marcus Insights

Marcus Insights (previously known as Clarity Money) is an app that analyzes your finances and provides you with financial advice. It was originally acquired for $100 million in 2018, and is currently owned by Marcus by Goldman Sachs.

The app uses machine learning and data science to provide you with a comprehensive analysis of your spending habits. Using this data, their AI provides you with insight to improve your financial habits.

Key features of Marcus Insights:

  • Keeps track of your spending, savings, and budget plans
  • Helps you keep track of your credit score
  • Tools allow you to lower your bills and manage accounts from one place

To get started with Marcus Insights (previously Clarity Money), connect your credit cards and bank accounts so their algorithm can analyze your spending habits. After it has time to analyze your finances, it will provide you with some tips to lower bills and spend less.

Cost: Marcus Insights, which has replaced Clarity Money, is completely free. Not only is this app free to download, but they offer free use of their app’s features without charging monthly fees or transaction fees.

Apps like Truebill #8

Monarch Money

Monarch Money doesn’t specifically excel as a financial app in any one specific area, but rather, it does all things great as a whole, all-in-one app. They’ve got an extremely customizable dashboard that’s flexible and user-friendly, and their tools are great for people who want to have a better overview of all their financial information.

Key features of Monarch Money:

  • It’s completely ad-free
  • They can connect with over 11,200 financial institutions
  • Mobile and web dashboards are designed independently and ridiculously customizable
  • If you budget a certain way, chances are you can incorporate it, unlike on other apps
  • Their spending tracking and categorization is one of the best out there

To get started with Monarch Money, download the app from the Apple Store or Google Play Store. Alternatively, there is a desktop download as well. Sign up for an account to access your 7-day free trial with no credit card required. During this time, you can start putting together your dashboard by syncing your financial accounts onto the app. After the trial ends, it’s up to you to pay to continue, or move on to another app.

Cost: After your 7-day free trial, Monarch Money costs $9.99 per month. If you enroll in their annual plan, you pay $89.99 per year. That’s about $7.50 per month, so you’re saving around $1.50 per month by paying annually. While this cost can be a barrier to some people, it allows Monarch Money to offer a completely ad-free service, which can be a game-changing experience for some users.

Check out our full review of Monarch Money!

Or, check out our in-depth comparison of YNAB vs. Monarch Money!

In conclusion

If you’re looking for an app like Truebill, there are lots of great options out there. Let’s recap the apps mentioned above that are possible alternatives to Truebill:

  • Hiatus
  • Trim
  • Mint
  • Prism
  • BillShark
  • YNAB
  • Marcus Insights
  • Monarch Money

The apps above are some of the best free and paid financial management apps available. Ultimately you must decide on an app based on the features you need and whether or not you’re willing to pay monthly fees to access those features.

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