The tools Americans are turning to as half admit they’re more stressed about money than a year ago

Half of American adults are more stressed about their finances than they were a year ago. Seventy percent feel they are just managing, struggling or falling behind.

One way to alleviate that stress is to cut back on unnecessary spending. And a growing number of tools are designed to make that easier.

Americans pay hundreds of dollars each year for subscriptions they forget they have. Rocket Money tracks and cancels those subscriptions automatically. It also monitors spending, recurring bills and credit scores. The basic plan is free. Premium plans cost $7 to $14 a month. Bill negotiation services take 35% to 60% of first-year savings if successful.

PocketGuard tells users how much they can safely spend each day based on income, expenses and savings goals. It sends alerts when spending nears a limit. The free version works with connected accounts via Plaid or Finicity. The Plus version costs $12.99 a month or $74.99 annually.

Oportun automates savings by withdrawing funds based on user-defined goals. At $5 per month, it claims to help users save $1,800 a year on average. It links to multiple accounts but does not offer a checking account or ATM card.

For spending that can’t be cut—like groceries or gas—the Citi Double Cash® Card earns 2% cash back on all purchases: 1% when bought, 1% when paid. Bookings through Citi Travel earn 5% back. There’s no annual fee. New cardholders earn $200 cash back after spending $1,500 in the first six months. Balance transfers have a 0% intro APR for 18 months, then 17.49%–27.49%. A 3% fee (minimum $5) applies to transfers in the first four months.

Upgrade consolidates high-interest debt with personal loans at lower rates. Terms range from two to seven years. Monthly payments become more predictable and often lower. The service accepts applicants with fair credit.

uBlock Origin, a free browser extension, blocks targeted ads that exploit personal data to trigger impulse buys. Users can also limit ad tracking through device settings or platform controls like those on Instagram.

Flipp compares prices and surfaces coupons from retailers including Costco, Whole Foods, Home Depot and JCPenney. Users create a shopping list and enter their zip code. The app returns local deals. It’s free to use online or via mobile app.

Using tools like these can help Americans reduce spending, increase savings and regain control over their finances despite rising costs and economic uncertainty.