OneMain MyMoney

OneMain MyMoney scans your bank transactions to find recurring charges, then identifies subscriptions you might want to cancel. When you approve, the app handles cancellation via text message on your behalf, saving the back-and-forth with customer support. It also negotiates bills like insurance and internet service, attempting to lower rates without manually calling companies.

Best for people who want hands-off subscription management. If you've forgotten services buried in statements or dread calling to negotiate, this app removes the friction. The cancellation service is especially useful for subscriptions that make cancellation difficult.