The short version
If you want a team to cancel subscriptions for you, Rocket Money is the one whose pages say it does, on Premium. If you want a budget that also lists them, try Monarch, Simplifi, Copilot or PocketGuard. For a free app, NerdWallet finds forgotten subscriptions and EveryDollar is free if you type transactions in. Wonderful plans every paycheck and finds recurring charges but doesn't cancel them.
- 1
Monarch Money: A full budget with a list of subscriptions and bills
- 2
Quicken Simplifi: A spending plan that shows all your subscriptions
- 3
Copilot Money: Apple users who want subscriptions inside a budget
- 4
PocketGuard: A safe-to-spend number that finds recurring charges
- 5
NerdWallet: A free app that finds forgotten subscriptions
- 6
Origin: Budgeting, bills and investing in one app
- 7
Wonderful: A plan for every paycheck, and recurring charges found
- 8
YNAB (You Need A Budget): Giving every dollar a job
- 9
EveryDollar: A free zero-based budget you type in
- 10
Goodbudget: Envelopes, with a free plan
- 11
Honeydue: Free, for couples
Why people leave Rocket Money
Rocket Money has real strengths: Cancels subscriptions for you on Premium and negotiates bills.[1] It has a free plan: A free plan exists. It links accounts (not in real time), tracks subscriptions but you cancel them yourself, tracks upcoming bills, and shows spending breakdowns.[1] The people who look for something else say this:
- Being charged more than expected. Many October 2026 App Store reviews say they picked a lower price and were charged $15, or could not find where to cancel.[6]
- Cancellation that does not work or is a hassle. Reviewers say the app failed to cancel a subscription or that calling the company is easier.[6]
- The negotiation fee. Reviewers object to "a minimum of 35% of my savings" and to a percentage of savings on top of a subscription.[6]
- Missing subscriptions and dropped accounts. Reviewers say the app does not list all their subscriptions or loses connection to accounts.[6]
“I selected 7 dollars per month and it still charged me for 15”Read it where it was said ↗
“They are not good at cancelling your subscriptions as advertised. it’s more of a hassle than just calling yourself.”Read it where it was said ↗
Its price depends on where you read it. The price is not fixed: the learn article says $7 to $14 a month, the help center gives no numbers, and the App Store lists purchases from $2.99 to $9.99.[1][2][4]
| Plan | Monthly | Yearly | A month, paid yearly | What it is |
|---|---|---|---|---|
| Free[1] | Free | — | — | Mobile only. Tracks subscriptions and upcoming bills, with two custom category budgets. |
| Premium[1][2][4] | — | — | — | Pay what you think is fair, "typically $7 to $14 per month, subject to change," per the learn article. The help center says the price varies by platform and gives no numbers. The App Store lists Premium purchases from $2.99 to $9.99 without billing periods. |
| Premium+[1][2][4] | $15 | — | — | A fixed $15 a month plus tax. Adds Rowan, an AI assistant that works through text messages, and no fee on bill negotiation. |
At a glance
| App | Best for | Price | Free trial | Works on |
|---|---|---|---|---|
| Monarch Money | A full budget with a list of subscriptions and bills | $14.99/mo or $99.99/yr | The pricing page says "Your first week is on us | iPhone, Android, Web |
| Quicken Simplifi | A spending plan that shows all your subscriptions | $6.99/mo; $3.99/mo the first year | "While we do not offer a free trial" there is a 30-day money-back guarantee from the original purchase date | iPhone, Android, Web |
| Copilot Money | Apple users who want subscriptions inside a budget | $13/mo or $95/yr | The App Store and the FAQ say one month free for new users | iPhone, Web, Mac |
| PocketGuard | A safe-to-spend number that finds recurring charges | $6.25/mo or $74.99/yr | A 7-day free trial on each plan | iPhone, Android, Web |
| NerdWallet | A free app that finds forgotten subscriptions | Free | None stated | iPhone, Android |
| Origin | Budgeting, bills and investing in one app | $99/yr; $1 the first year | Origin's blog says it offers no free trial | iPhone, Android, Web, Mac |
| Wonderful | A plan for every paycheck, and recurring charges found | $14.99/mo or $99/yr | A free week | Web |
| YNAB (You Need A Budget) | Giving every dollar a job | $14.99/mo or $109/yr | The pricing page says a 34-day free trial | iPhone, Android, Web |
| EveryDollar | A free zero-based budget you type in | Free, or $17.99/mo or $79.99/yr | Premium includes a 14-day free trial | iPhone, Android, Web |
| Goodbudget | Envelopes, with a free plan | Free, or $10/mo or $80/yr | None stated | iPhone, Android, Web |
| Honeydue | Free, for couples | Free | None stated | iPhone, Android |
- PocketGuard$74.99
- EveryDollar$79.99
- Goodbudget$80
- Quicken Simplifi$83.88
- Copilot Money$95
- Origin$99
- Wonderful$99
- Monarch Money$99.99
- YNAB (You Need A Budget)$109
No paid plan with a listed price: NerdWallet, Honeydue.
The cheapest way to pay for a year on each app's own pages. Free apps show no bar. For comparison, Rocket Money's Premium is a sliding scale with no fixed price.
Subscriptions, app by app
This is the job Rocket Money is best known for. In the pages we read, only Rocket Money says it cancels subscriptions for you: Finds recurring subscriptions in one place. On Premium, a team cancels them for you; its cost article says this usually takes 2 to 10 days. On Free you cancel them yourself.[1] What the others describe:
| App | Subscriptions | Price |
|---|---|---|
| Monarch Money | Subscriptions, bills and upcoming payments in a list, plus credit card statement balances and minimum payments.[9][11] | $14.99/mo or $99.99/yr |
| Quicken Simplifi | Tracks upcoming bills and subscriptions and shows all your subscriptions.[19] | $6.99/mo; $3.99/mo the first year |
| Copilot Money | Tracks spending, investments, net worth and subscriptions.[26][29] | $13/mo or $95/yr |
| PocketGuard | Finds recurring charges and subscriptions automatically, and the listing mentions a built-in bill negotiation service.[31][35] | $6.25/mo or $74.99/yr |
| NerdWallet | Finds forgotten subscriptions and bank or savings options.[39] | Free |
| Origin | Tracks spending, cash flow, subscriptions and bills, and builds budgets from your habits.[46] | $99/yr; $1 the first year |
| Wonderful | Finds recurring charges and subscriptions, lists what's due before your next paycheck, and flags a bill that comes in higher than usual. It doesn't cancel them for you.[51] | $14.99/mo or $99/yr |
| YNAB (You Need A Budget) | Not described on the pages we read | $14.99/mo or $109/yr |
| EveryDollar | Not described on the pages we read | Free, or $17.99/mo or $79.99/yr |
| Goodbudget | Not described on the pages we read | Free, or $10/mo or $80/yr |
| Honeydue | Not described on the pages we read | Free |
How we compared
- Subscriptions. Whether the app finds them, and whether it cancels them or you do.
- Price and a free plan. Including fees on top, like Rocket Money's share of what a negotiated bill saves.
- Budgeting. Whether you get a full budget, not only a list of charges.
- Trust in the numbers. What reviewers say about missing accounts or wrong categories.
- Where it runs. iPhone, Android, the web.
Every fact comes from each app's own pricing and help pages and its App Store and Google Play listings, read on October 27, 2026. Reviews are from Apple's public App Store feed. Each fact is numbered to its source at the end.
1. A full budget with a list of subscriptions and bills
What it is
A paid budgeting and net worth app that pulls every account into one place and lets a partner join under the same subscription.
Why it's on this list
Monarch lists subscriptions, bills and upcoming payments next to a full budget, on the web, iPhone and Android. It has no free plan, and it doesn't cancel anything for you. A partner joins under the same subscription.
Ideal for: People who want a full budget and net worth, with subscriptions and bills in a list.
What it does
- Connects bank accounts, credit cards, loans, investment accounts and real estate, through 13,000+ financial institutions.[11]
- Tracks net worth across all connected accounts.[9][11]
- Sorts transactions automatically and searches across every account in one list.[9][11]
- Two ways to budget: Flex, which splits spending into fixed, flexible and non-monthly buckets and gives one main number to watch, or Category budgeting.[9][14]
- Rollovers: money left in a category carries into the next month, to cover bills that do not come every month.[14]
Good
- A partner joins under the same subscription at no extra cost, with a separate login.[12][13]
- Two people can fund a shared goal even when their money sits in separate accounts.[13]
- Works on iPhone, iPad, Android and the web.[9][10][11]
- Rated 4.9 on the App Store (116K ratings) and 4.8 on Google Play (26.1K reviews).[9][10]
Not so good
- No free plan after the first week.[8][9]
- Paid monthly it is $14.99, which is $179.88 over twelve months, against $99.99 billed yearly.[8]
- Forecasting, several income sources and deeper investment tracking sit in the Plus tier. The App Store shows Plus at $199.99 a year; the pricing page lists no Plus price.[8][9]
- A partner sees all accounts and transactions. The couples page describes no way to keep one account private.[12][13]
Pricing
- Monthly[8][9]$14.99 a monthPricing page and App Store both show $14.99. The pricing page does not say which tier it is.
- Yearly[8][9]$99.99 a yearBilled yearly. The pricing page names two tiers, Core and Plus, but lists only these two prices.
- Yearly Plus[8][9]$199.99 a yearShown only as an in-app purchase on the App Store. The pricing page says Plus adds forecasting tools, tracking several income sources like a small business, and deeper investment tracking.
- The pricing page says "Your first week is on us." The App Store says the app is free to try for 7 days before a monthly or annual membership is billed. Neither says whether a card is needed.[8][9]
- No free plan is listed on the pricing page or the App Store. The only free access is the first week.[8][9]
“My wife loves being able to see every thing in one place. It took us 10 years to find this app. Thank you monarch!”Read it where it was said ↗
2. A spending plan that shows all your subscriptions
Quicken Simplifi
$6.99/mo; $3.99/mo the first year· iPhone, Android, Web
What it is
A web and mobile budgeting app from Quicken that links accounts, builds a spending plan, projects cash flow and tracks bills, goals and investments.
Why it's on this list
Simplifi builds a spending plan and shows all your subscriptions. There is no free plan or trial, only a 30-day money-back guarantee on purchases made directly from Quicken.
Ideal for: People who want a spending plan with every subscription in one place.
What it does
- A spending plan that shows what you can spend per day.[19]
- Projected cash flow with "what-if" scenarios.[19]
- Tracks upcoming bills and subscriptions and shows all your subscriptions.[19]
- Automatically categorizes transactions and connects to over 14,000 financial institutions.[19]
- Savings goals, reports and insights.[19]
Good
- A partner can use the shared space without paying for a second subscription.[21]
- 30-day money-back guarantee on purchases made directly from Quicken.[22][23]
- Every support channel is included with every subscription.[20]
- Covers budgeting, bills, investments and a retirement planner in one subscription.[19]
Not so good
- No free plan and no free trial.[23]
- Annual billing only, and renewal is at the then-current rate, not the first-year offer.[19][23]
- Only one shared space and one additional member; no way to share only some accounts.[21]
- A person invited to share must accept on the web app; signing in on the mobile app prompts them to subscribe.[21]
Pricing
- Simplifi, first-year offer[19]$3.99 a monthBilled annually. The page says the final price may differ from the monthly price times 12, and the offer is for the first year when ordered directly from Quicken by November 26, 2026.
- Simplifi, price shown beside the offer[19]$6.99 a monthBilled annually. Shown next to $3.99 on the page without a label. The subscription renews at "the then-current rates".
“Easy to set up. For me it’s great! Tracking my finances - I only have to look in one place for everything. Love it!”Read it where it was said ↗
3. Apple users who want subscriptions inside a budget
Copilot Money
$13/mo or $95/yr· iPhone, Web, Mac· App Store 4.8 (31K)[29]
What it is
A paid budgeting and net worth app for Apple devices and the web, with an AI money assistant and one plan that does everything.
Why it's on this list
Copilot tracks subscriptions along with spending, investments and net worth. It has no Android app and no permanent free tier.
Ideal for: People on Apple devices who want a polished, paid budget app.
What it does
- Money Assistant: an AI you can ask about your money. The page says it "always asks before acting." It can fix transactions, run instructions in the background and flag spending trends with budget suggestions. The App Store says it is available only on iPhone.[26][29]
- Connects to 16,000+ US institutions through read-only integrations, with direct links for Venmo, Apple Card and Coinbase.[28][29]
- Sorts transactions automatically, and the assistant can change a category or match a refund to its purchase. You can set your own categories with colors and emojis.[26][29]
- Adaptive budgets that adjust to your spending.[29]
- Tracks spending, investments, net worth and subscriptions.[26][29]
Good
Not so good
- No Android app. The pages list iPhone, iPad, Mac and web only.[26][27][28]
- Sharing with a partner is not live. Households are marked "Coming soon."[26][27][28]
- No free plan after the trial.[28]
- The website and the App Store show different prices: $18 a month or $109 a year (shown as $9 a month) on the site, $13.00 and $95.00 on the App Store.[27][29]
Pricing
- Website, monthly[27]$18 a monthBilled monthly. The pricing page calls it "One simple plan" (checked in a browser 10/27).
- Website, yearly[27]$109 a yearShown as $9 a month, billed yearly, "instead of $119", and labeled a limited time offer.
- App Store, monthly[29]$13 a monthListed as $13.00 on the App Store, which is not what the pricing page shows.
- App Store, yearly[29]$95 a yearListed as $95.00 on the App Store.
“I switched to Copilot when Mint shut down. This app is much better than Mint ever was. The annual fee is a small price to pay to manage my budget and transactions.”Read it where it was said ↗
4. A safe-to-spend number that finds recurring charges
What it is
A paid budgeting app for iPhone, Android and web that links bank accounts and shows how much is safe to spend after bills, goals and essentials.
Why it's on this list
PocketGuard finds recurring charges automatically and shows what is safe to spend. Its listing mentions a built-in bill negotiation service. It is paid after a 7-day trial, and reviewers report charges after cancelling.
Ideal for: One person who wants a simple safe-to-spend number.
What it does
- "Leftover": what you can still spend after bills, goals and essentials.[31][35]
- Budget with zero-based, envelope or category methods, with rollovers for unspent or overspent money.[31][33]
- Pace: predicts how much you will have left at month's end from your spending habits.[31][35]
- Finds recurring charges and subscriptions automatically, and the listing mentions a built-in bill negotiation service.[31][35]
- Transaction rules that match merchant names, keywords, amounts, categories or accounts.[35]
Good
Not so good
- No free plan; the app requires the trial or a paid plan.[32]
- Monthly billing is $12.99, about double the yearly rate per month.[32]
- No partner or shared login is described on the pages opened.[31][32][33][34]
- App Store reviewers in 2025 and 2026 report being charged at the start of the trial, and a trial that does not appear in App Store subscription settings.[36]
Pricing
“I’ve been using this app for about 6 years now and it helps me stay on budget and know when to stop spending money. Also, whenever I have an issue with the app, the developers fix it fast.”Read it where it was said ↗
5. A free app that finds forgotten subscriptions
What it is
A free app from NerdWallet that tracks net worth and cash flow, sorts spending, and offers a cash account and automated investing.
Why it's on this list
NerdWallet's app is the free option that finds forgotten subscriptions. It is mainly a net worth and cash flow tracker, and the pages we read describe no category budgets.
What it does
- A net worth tracker that shows your finances in one view.[38]
- On the App Store: automatically sorts spending into needs, wants and savings.[39]
- Credit monitoring with alerts and an explanation of what affects your score.[39]
- Links accounts to show spending and transactions.[39]
- Finds forgotten subscriptions and bank or savings options.[39]
Good
Not so good
- nerdwallet.com/app describes the app as a way to track wealth and invest, and does not mention budgeting features for it.[38]
- No category budgets or limits are described on the pages opened.[38][39]
- The listing says privacy practices include tracking identifiers across other companies' apps and websites.[39]
- App Store reviewers in 2026 report lost data after accounts unlink, and a removed net worth graph.[40]
Pricing
- The App Store lists the app as Free with no in-app purchases shown.[39]
“...now that I can't see a net worth graph it's not as useful.”Read it where it was said ↗
6. Budgeting, bills and investing in one app
Origin
$99/yr; $1 the first year· iPhone, Android, Web, Mac· App Store 4.6 (3,980)[46]
What it is
A subscription app for iPhone, Android, Mac and web that tracks spending and investments, has an AI advisor, and lets a partner join at no extra cost.
Why it's on this list
Origin tracks spending, subscriptions and bills, builds budgets from your habits, and adds investing and an AI advisor. A partner joins at no extra cost. It lists no free plan.
What it does
- An AI advisor ("Ask Origin") that answers money questions using your connected accounts. Origin says there are "no usage limits on the AI Advisor".[42][43]
- Tracks spending, cash flow, subscriptions and bills, and builds budgets from your habits.[46]
- Automatic categorization of transactions; you can edit transactions and add new ones.[43]
- Connects accounts through Plaid, MX and Mastercard, and accepts CSV uploads.[43][44]
- Investing view: holdings, allocation and performance across connected brokerage and retirement accounts, plus Origin's own automated index portfolios.[44][46]
Good
- Partner access is included in the price.[43][45]
- Free DIY tax filing is part of the membership, including joint filing.[43][44]
- One flat fee: $99 a year after the first year, with no add-ons for tax filing or partner access.[43]
- Covers budgeting, investing, estate planning and an AI advisor in one app.[42][46]
Not so good
- No free plan or free trial on the pages opened; the first year is $1, then $99 a year.[43][44]
- Many 5-star App Store reviews in 2026 end with "Entered a sweepstakes for this review."[47]
- Origin's claim that its AI Advisor scored 98.3% on the CFP exam is its own marketing and was not checked.[43]
- App Store reviewers in 2026 report bank connections that expire or will not reconnect, and slow support.[47]
Pricing
- First year promotion[43][44]$1 a year"$1 for the first year." Per Origin's blog.
- Annual after year one[43]$99 a year"$99/year", a flat annual fee. Partner access and tax filing carry no add-on.
- Origin's blog says it offers no free trial, only the first-year price: "Try Origin for $1 for your first year." Whether a card is needed was not stated on the pages opened.[44]
- No free plan is described on the pages opened. The App Store listing is free to download, and 2026 reviewers say the app is unusable without a subscription.[46][47]
“My wife and I are able to combine all our accounts here — and see who’s is who’s. It’s got a great AI integration as well.”Read it where it was said ↗
7. A plan for every paycheck, and recurring charges found
Wonderful
$14.99/mo or $99/yr· Web
What it is
A budgeting app for couples who keep their own money, and for one person: each of you connects your own bank, chooses what the other sees, and every paycheck gets a plan.
Why it's on this list
Say it plainly: if cancelling subscriptions for you is what you use Rocket Money for, Wonderful is not that. It finds recurring charges and shows what is due next, and it texts you by iMessage when a bill is charged twice or a price goes up, but you cancel yourself.
What it adds is a plan for each paycheck and, for two people who keep their own money, shared bills split and a running total of who owes whom. It is browser-only and has no free plan after its free week.
Ideal for: People who want recurring charges found and every paycheck planned, alone or with a partner.
What it does
- Every paycheck gets a plan for bills, spending and saving before it lands.[51]
- Banks connect through Plaid and every charge is sorted into a category.[50][51]
- Mine, yours and ours: each charge counts for the person or the pair it belongs to.[51]
- Finds recurring charges and subscriptions, lists what's due before your next paycheck, and flags a bill that comes in higher than usual. It doesn't cancel them for you.[51]
- Texts you by iMessage when a bill is charged twice, a price goes up or a refund lands, and you can text it questions.[51]
- Savings goals show the month you'll reach them.[51]
- Net worth for each of you and for both, from the balances your banks send, with its line over time.[51]
- Life events like getting married come step by step, with the deadlines.[51]
Good
8. Giving every dollar a job
What it is
A paid budgeting app built on a method: give every dollar a job before you spend it.
Why it's on this list
YNAB isn't a subscription tool. It's here for people leaving Rocket Money for a stricter budget: you give every dollar a job before you spend it. It has no free plan.
What it does
- The method: for every dollar, ask "What's it for?" Plan for now (before the next paycheck), for later (non-monthly bills like car repairs), and for ease (get a month ahead).[54]
- Bank import links accounts and brings in transactions automatically. Apple Card import is also listed.[53]
- Targets: set spending and savings goals per category and track progress at a glance.[53]
- Loan Planner: shows how much interest and time you save for each extra dollar paid toward debt.[53][55]
- Reports on spending, such as average grocery spend, and on net worth over time.[53][55]
Good
- A written method, not just a tracker: the app is built around planning before spending.[54]
- One subscription covers up to six people at no extra cost.[52]
- A 34-day trial with no card when you sign up on the site, and a free 365-day trial for college students.[52]
- Rated 4.8 on the App Store (62K ratings) and 4.6 on Google Play (25.4K).[55][56]
Not so good
- No free plan after the trial.[52]
- Paid monthly it is $14.99, which is $179.88 over twelve months, against $109 billed annually.[52]
- The website says a 34-day trial and the App Store says 30 days.[52][55]
- The method asks you to plan each dollar before you spend it, which the company's method page presents as the whole point of the app.[54]
Pricing
“Budgeting works if you want to change your life. In 10 years of using YNAB we went from being a total of $250,000 in debt to $950,000 in net worth. It takes time and commitment to change.”Read it where it was said ↗
9. A free zero-based budget you type in
What it is
Ramsey Solutions' zero-based budgeting app: a free version where you type in transactions, and a paid version that imports them from your bank.
Why it's on this list
EveryDollar's free version has no time limit, with manual transactions and bill due dates. Bank import is Premium, at $17.99 a month or $79.99 a year per its plans page.
What it does
- Zero-based budgeting: plan every dollar before the month starts so income minus expenses equals zero.[61]
- Free: monthly budget, unlimited categories and line items, split transactions, due dates for bills, and savings goals for big purchases.[60][62]
- Sinking funds for future expenses, in the free version.[60][61]
- Premium imports transactions automatically from connected accounts. Ramsey says it uses Mastercard Connect and Plaid.[60]
- Premium plans spending around payday and bill due dates.[60][61]
Good
Not so good
- No bank import on the free version. You type every transaction.[60]
- Premium is $17.99 billed monthly, which is $215.88 over twelve months, against $79.99 billed yearly.[60]
- Rated 4.3 on Google Play, lower than the App Store's 4.7.[62][63]
- The plans page and the App Store show different Premium plans and prices.[60][62]
Pricing
- Free[60]FreeUsable as long as you want. Manual transaction entry, no bank import.
- Premium, monthly[60][62]$17.99 a monthBank import and the rest of Premium.
- Premium, yearly[60][62]$79.99 a yearShown by Ramsey as about $6.67 a month.
- Ramsey+, yearly[62]$129.99 a yearListed only as an in-app purchase on the App Store, along with Ramsey+ at $59.99 for three months. The plans page does not describe it.
- Premium includes a 14-day free trial, for new users only.[60]
- A free version you can use as long as you want. It has a monthly budget, unlimited categories, manual transactions, sinking funds, split transactions, bill due dates and live-person support. It does not import transactions from a bank.[60][61]
“My wife and I’ve been using this app for eight years. Can’t live without it.”Read it where it was said ↗
10. Envelopes, with a free plan
Goodbudget
Free, or $10/mo or $80/yr· iPhone, Android, Web· App Store 4.6 (13,516)[70]
What it is
An envelope budgeting app for the web, iPhone and Android where you divide income into virtual envelopes and share the budget across devices.
Why it's on this list
Goodbudget's free plan uses envelopes with no bank sync, so it is a budget, not a subscription finder.
What it does
- Envelope budgeting: you divide income into category envelopes, spend from the matching envelope and stop when it is empty, with no physical cash.[72]
- The free plan has 10 regular envelopes and 10 annual or goal envelopes; Premium removes the cap.[65][66]
- Syncs and shares a budget across iPhone, Android and the web, with data backed up to Goodbudget's website.[68][70]
- Automatic bank sync is a Premium feature and works with US banks only. The free plan is manual entry.[65][66]
- Reports in the app: spending by envelope (a pie chart), income versus spending, and debt progress; more reports on the web.[70]
Good
Pricing
- Free[65][66]FreeCalled "Free Forever" on the page. 10 regular envelopes, 10 annual or goal envelopes, 1 account, 2 devices, 1 year of history, debt tracking, community support.
- Premium[65][66]$10 a month · $80 a yearAdds automatic bank sync (US banks only), unlimited envelopes and accounts, 5 devices, 7 years of history and email support.
“We’ve been using Goodbudget for several years now, after trying multiple budgeting apps. It’s the best solution we’ve found to budget with an envelope system, while utilizing credit cards and online payments.”Read it where it was said ↗
11. Free, for couples
What it is
A free phone app for couples that shows both people's linked accounts, bills and budgets, with a choice of how much each person shares.
Why it's on this list
Honeydue is free and made for couples. The pages we read don't describe a subscription finder.
What it does
- Shared view of linked bank account balances, loans and investments. The site says it connects "over 20,000 financial institutions across 5 countries."[75][79]
- Choose what your partner sees per account: balances and transactions, balances only, or nothing.[77]
- Monthly household spending limits for each category, with alerts as you and your partner get close.[79]
- Bill reminders that notify you or your partner when a payment is due.[75][79]
- Chat built into the app: send a quick reaction or ask your partner about a specific transaction.[75]
Good
Pricing
- Free[76]FreeHoneydue's help center says, "Honeydue is 100% free for everybody, and we don't block any features with a paywall."
- Monthly tip (optional)[76][79]Any amount from $1 to $10 a month through the App Store or Google Play. The help center says tips fund new features. The App Store lists $0.99 to $9.99.
- The whole app is free. The only paid thing is the optional tip, which can be changed or cancelled in the App Store or Google Play.[76]
“My husband and I have used this for years and genuinely love using it.”Read it where it was said ↗
How to choose
Choose Rocket Money if you:
- Want a team to cancel subscriptions for you (Premium)
- Can live with a price that varies by source
Choose Monarch Money if you:
- Want subscriptions and bills inside a full budget
- Are fine paying after a first week free
Choose NerdWallet if you:
- Want forgotten subscriptions found for free
- Don't need category budgets
Choose Wonderful if you:
- Cancel subscriptions yourself and want them found
- Want a plan for each paycheck
- Share money with a partner and keep your own accounts
Choose EveryDollar if you:
- Want a free zero-based budget
- Will type transactions in
Where Wonderful fits, and where it doesn't
We make Wonderful. It is not a Rocket Money replacement if you want subscriptions cancelled or bills negotiated for you: it does neither. It fits if you mostly want to see recurring charges and what is due next, and want each paycheck planned. It is web only, has no free plan after its first week, and gives no investment advice. For more apps that deal with subscriptions, see subscription manager apps.
Questions people ask
What are the best alternatives to Rocket Money?
It depends on what you use Rocket Money for. For a budget that also lists subscriptions, Monarch, Simplifi, Copilot, PocketGuard and Origin each describe finding them. For a free app, NerdWallet, Honeydue and EveryDollar's manual version cost nothing. For a plan for every paycheck, Wonderful. None of these, in the pages we read, says it cancels subscriptions for you.
What apps are like Rocket Money?
Monarch, Simplifi, Copilot, PocketGuard and Origin track spending and list or find subscriptions. NerdWallet's app finds forgotten subscriptions for free. Rocket Money is the one whose pages say a team cancels them for you, on Premium.
Is there a free alternative to Rocket Money?
Rocket Money has a free plan itself, on mobile only. NerdWallet's app is listed as free, Honeydue is free with an optional tip, and EveryDollar and Goodbudget have free plans where you enter transactions by hand. Monarch, YNAB, Copilot, PocketGuard and Wonderful are paid, with trials of different lengths.
Is there a Rocket Money alternative that cancels subscriptions for you?
Not among the apps we read. Rocket Money's pages say that on Premium a team cancels them for you, usually in 2 to 10 days; on Free you cancel them yourself. The other apps' pages describe finding or listing subscriptions, and Wonderful finds recurring charges but doesn't cancel them.
Is there a Rocket Money alternative without the negotiation fee?
Rocket Money charges Free and Premium members 35% to 60% of the first year's savings on a negotiated bill, and Premium+ members pay no fee. The other apps' pages that we read describe no bill negotiation except PocketGuard's listing, which mentions a built-in service.
How much does Rocket Money cost?
Free is $0 on mobile only. Premium is a pay-what-you-think-is-fair scale, "typically $7 to $14 per month, subject to change," per its learn article, while the App Store lists purchases from $2.99 to $9.99. Premium+ is $15 a month. See our Rocket Money sources below for each.
Why do people leave Rocket Money?
From October 2026 App Store reviews: being charged more than the price they picked, cancellation that failed or was hard, the negotiation fee, and missing subscriptions or dropped accounts.
Is there a Rocket Money alternative for couples?
Rocket Money lists account sharing with a partner as a Premium feature. Honeydue is free and made for two, Monarch and Origin include a partner under one subscription, and Wonderful gives two people one subscription with each choosing what the other sees.
Which alternative is cheapest?
Free: NerdWallet's app, Honeydue, EveryDollar (manual) and Goodbudget (limited). Among paid apps, see the price chart on this page for the cheapest way to pay for a year on each.
How do I cancel Rocket Money?
Our guide to cancelling Rocket Money has the steps.
Sources
82 sources · read October 27, 2026
Every number on this page comes from rocketmoney.com, help.rocketmoney.com, framer.rocketmoney.com and 19 more. If a source has changed since, the source is right.
- 1Rocket Money: How much does Rocket Money costrocketmoney.com
- 2Rocket Money help center: How much does Rocket Money costhelp.rocketmoney.com
- 3Rocket Money FAQframer.rocketmoney.com
- 4Rocket Money on the App Storeapps.apple.com
- 5Rocket Money on Google Playplay.google.com
- 6Apple public review feed for Rocket Moneyitunes.apple.com
- 7Trustpilot, rocketmoney.comtrustpilot.com
- 8Monarch pricingmonarch.com
- 9Monarch on the App Storeapps.apple.com
- 10Monarch on Google Playplay.google.com
- 11Monarch home pagemonarch.com
- 12Monarch for couplesmonarch.com
- 13Monarch collaborationmonarch.com
- 14Monarch budgetingmonarch.com
- 15Monarch planningmonarch.com
- 16Apple public review feed for Monarchitunes.apple.com
- 17Monarch help: Monarch for Couples and Householdshelp.monarch.com
- 18Trustpilot, www.monarchmoney.comtrustpilot.com
- 19Quicken Simplifi product pagequicken.com
- 20Quicken blog: personal finance software with the best customer supportquicken.com
- 21Simplifi help: How to use Spaces sharingsupport.simplifi.quicken.com
- 22Simplifi help: How to cancel and get a refundsupport.simplifi.quicken.com
- 23Simplifi help: Subscription questionssupport.simplifi.quicken.com
- 24App Store listing, Quicken: Budget & Track Moneyapps.apple.com
- 25App Store reviews, Quicken: Budget & Track Moneyapps.apple.com
- 26Copilot Money homecopilot.money
- 27Copilot Money pricingcopilot.money
- 28Copilot Money FAQcopilot.money
- 29Copilot on the App Storeapps.apple.com
- 30Apple public review feed for Copilotitunes.apple.com
- 31PocketGuard home pagepocketguard.com
- 32PocketGuard pricingpocketguard.com
- 33PocketGuard help: Plus overviewpocketguard.com
- 34PocketGuard help: all featurespocketguard.com
- 35App Store listing, PocketGuardapps.apple.com
- 36App Store reviews, PocketGuardapps.apple.com
- 37Trustpilot, pocketguard.comtrustpilot.com
- 38NerdWallet app pagenerdwallet.com
- 39NerdWallet: Smart Money App on the App Storeapps.apple.com
- 40App Store reviews feed for NerdWallet (most recent)itunes.apple.com
- 41Trustpilot, nerdwallet.comtrustpilot.com
- 42Origin home pageuseorigin.com
- 43Origin blog: Why Origin is the best personal finance app in 2026useorigin.com
- 44Origin blog: Why Origin is the best all-in-one AI finance appuseorigin.com
- 45Origin blog: Finance apps that let you add a partner in 2026useorigin.com
- 46App Store listing, Origin: AI Budget and Trackapps.apple.com
- 47App Store reviews, Originapps.apple.com
- 48Origin legal pageuseorigin.com
- 49Wonderful terms of servicewonderful.money
- 50Wonderful privacy policywonderful.money
- 51Wonderfulwonderful.money
- 52YNAB pricingynab.com
- 53YNAB featuresynab.com
- 54The YNAB methodynab.com
- 55YNAB on the App Storeapps.apple.com
- 56YNAB on Google Playplay.google.com
- 57Apple public review feed for YNABitunes.apple.com
- 58YNAB: Using YNAB as Partnerssupport.ynab.com
- 59Trustpilot, ynab.comtrustpilot.com
- 60EveryDollar plans (Ramsey Solutions)ramseysolutions.com
- 61EveryDollar budget page (Ramsey Solutions)ramseysolutions.com
- 62EveryDollar on the App Storeapps.apple.com
- 63EveryDollar on Google Playplay.google.com
- 64Apple public review feed for EveryDollaritunes.apple.com
- 65Goodbudget pricing (signup page)goodbudget.com
- 66Goodbudget help: Subscribe to Goodbudgetgoodbudget.com
- 67Goodbudget refunds and cancellationsgoodbudget.com
- 68Goodbudget home pagegoodbudget.com
- 69Goodbudget help indexgoodbudget.com
- 70App Store listing, Goodbudgetapps.apple.com
- 71App Store reviews, Goodbudgetapps.apple.com
- 72Goodbudget envelope budgeting pagegoodbudget.com
- 73Goodbudget changeloggoodbudget.com
- 74Honeydue home pagehoneydue.com
- 75Honeydue: How it workshoneydue.com
- 76Honeydue help: How does Honeydue earn moneysupport.honeydue.com
- 77Honeydue help: Will my partner see my accountssupport.honeydue.com
- 78Honeydue Joint Cashhoneydue.com
- 79Honeydue on the App Storeapps.apple.com
- 80Honeydue on Google Playplay.google.com
- 81Apple public review feed for Honeydueitunes.apple.com
- 82Honeydue help: Account issues and inviting a partnersupport.honeydue.com
App names are trademarks of their owners; Wonderful isn't connected with them. Wonderful gives general information. It isn't a financial or tax advisor.