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When Trim negotiates a bill, you pay 33% of whatever it will save you for the year in one lump sum.

Look out for: How long you plan to pay a bill.

Bill Negotiation is included in a Trim Premium membership, so you won't have to pay 33% on top of the annual membership fee. You may choose to pay $99 per year for Trim Premium, which includes features such as medical bill negotiation, credit card rate negotiation, and unlimited access to a financial coach via email. If you agree to Trim's proposed bill negotiations, you'll pay 33% of what Trim saves you in a year in one lump sum. This feature could potentially save you hundreds of dollars in a year, which you can then put toward other expenses, save, or invest. Trim's most unique feature is Bill Negotiation - the app analyzes your internet, phone, cable, and wireless bills and determines whether you can get the same service with the company for a lower price. Why it stands out: Trim analyzes your bills and spending habits and reveals where in your budget you can save money. Trim: Best for automatically reducing bill payments You do have the ability to reassign the transaction to another category within the app or create your own category. Occasionally, Mint will place a transaction in one category (like transportation) when it should actually be in a different category (like bills). In addition to showing your income, expenses, and savings goals, it also displays factors like your credit score, investments, and net worth. Mint is easy to use and helpful for understanding your finances on a large scale. Create a goal, including your estimated costs and timeline, and Mint factors the plan into your budget. Mint makes it easy to save for multiple goals. If you think Mint allotted too much or too little money for one category, you can easily change the settings yourself or create a new category - so Mint does all the hard work for you, but you still have some control. The app splits your expenses into categories such as shopping, bills, and transportation. Link your bank accounts to Mint for the app to create a budget based on your past spending habits.

Why it stands out: The Mint app is owned by Intuit, the financial software company that also owns TurboTax and Quickbooks.