The best Rocket Money alternative depends on why you're leaving: to stop linking bank accounts, to pay less, or to get deeper budgeting. For privacy, Gravity and Bobby track and help you cancel subscriptions on iPhone with nothing linked. For Rocket Money-style automation, Hiatus is the closest match, while Monarch, Copilot Money, Quicken Simplifi and PocketGuard are stronger full budgeting apps. And if you're leaving entirely, canceling Rocket Money itself takes only a few steps — covered below.
Rocket Money (formerly Truebill) links your financial accounts to automatically detect recurring charges, offers a paid bill-negotiation service, and adds budgeting tools. People shop for alternatives for three main reasons: they want cheaper or more capable budgeting, they want real help canceling subscriptions, or they'd rather not connect financial accounts at all. The options below are grouped by that trade-off, private no-link trackers first, then automated account-linked apps.
Every app here was confirmed live in July 2026, with pricing taken from each provider's own information, verify current figures before subscribing. A note on two names you may still see recommended elsewhere: Intuit's Mint shut down in March 2024 and moved users to Credit Karma, which doesn't do Mint-style budgeting or subscription management, and DoNotPay, which marketed subscription cancellation, settled with the FTC in 2025 over deceptive 'AI lawyer' claims and isn't a dedicated subscription manager. Neither is recommended here.
Pricing and availability checked August 28, 2026
| App | Bank connection | Platforms | Pricing |
|---|---|---|---|
| Gravity(ours) | Not required | iPhone (iOS 17+) | $19.99/month or $59.99/year |
| Bobby | Not required, fully manual | iPhone (iOS) | Free with an optional one-time in-app purchase |
| Hiatus | Required, links bank/card accounts | iOS, Android, web | Free tier; Premium $10/month or $48/year (per hiatusapp.com/pricing) |
| Copilot Money | Required, links bank/card accounts | iPhone, iPad, Mac, web | $95/year (about $7.92/month billed annually); 1-month trial; no free tier |
| Monarch Money | Required, links bank/card accounts | iOS, Android, web | Core $14.99/month or $99.99/year; Plus $199.99/year (annual only); 7-day trial |
| Quicken Simplifi | Required, links bank/card accounts | iOS, Android, web | $47.88/year promo (renews around $83.88/year); annual billing only |
| PocketGuard | Required, links bank/card accounts | iOS, Android, web | $12.99/month, $74.99/year, or $149.99 lifetime; 7-day trial; its pricing page no longer advertises a free tier |
| Trim | Required, links bank/card accounts | Web; and within the OneMain app | Free to start; bill-negotiation fee is a share of savings |
A private iPhone subscription manager. You add the services you pay for, and it tracks renewal dates and trial deadlines, then gives official-source-verified, step-by-step guidance to cancel any service — you cancel, it guides. It never links financial accounts.
A simple, long-running manual tracker for iPhone. You enter each subscription yourself and get reminders before renewals, with a clean monthly total. No account linking and no automatic detection, and no cancellation guides, it trades features for privacy and simplicity. A good fit if you only need a tidy list of what renews and when.
The closest match to Rocket Money's overall feature set. It links bank/card accounts to surface recurring charges and bills, and its premium bundles subscription cancellation and bill negotiation into the flat fee rather than taking a percentage of savings. Best if you specifically want the bill-negotiation-plus-cancellation combo that drew you to Rocket Money.
A polished budgeting and spending app for the Apple ecosystem. It links bank/card accounts, auto-categorizes transactions including subscriptions, and uses AI to surface trends. Best for people who want full budgeting and investment tracking rather than a dedicated cancellation concierge.
A full-featured budgeting app built by a former Mint product lead and one of the most common Mint replacements. It links bank/card accounts, tracks recurring bills and subscriptions, and supports shared household budgeting for couples. There is no concierge cancellation, it shows you what recurs and you handle the rest.
A low-cost budgeting app from Quicken. It links bank/card accounts and shows a recurring-transaction watchlist plus a spending plan, so you can spot subscriptions, but you cancel them yourself. The cheapest of the full budgeting apps here, with the trade-off of annual-only billing.
A budgeting app organized around one 'in my pocket' spendable number. It links bank/card accounts, detects recurring charges, and provides cancellation instructions you follow yourself rather than canceling for you. Good for people who want a simple spend-safe view alongside subscription detection.
A bill-negotiation and savings assistant that links bank/card accounts to find recurring charges and negotiate bills. Today it functions more as a savings service than a standalone subscription tracker.
Acquired by OneMain Financial; much of Trim now operates inside OneMain's own app and website rather than as a standalone product. Confirm current availability before relying on it.
Leaving over privacy: Gravity replaces the part of Rocket Money most people actually used — knowing what renews when, and getting out of the services you don't want — without the linked accounts that made you uncomfortable. You add your subscriptions; it tracks renewals and trial deadlines and shows verified, official cancellation steps for each one. Bobby is the lighter option if reminders alone are enough.
Leaving over price: Quicken Simplifi undercuts everything here at $47.88 for the first year (then about $83.88/year), and Rocket Money's own free tier remains an option if you only ever used it to see recurring charges. Leaving for deeper budgeting: Monarch (household sharing, net worth) or Copilot Money (Apple polish at $95/year) go further than Rocket Money's budgeting ever did.
Want the same concierge experience: Hiatus is the nearest one-for-one — linked accounts, cancellation help, and bill negotiation bundled at a flat $10/month or $48/year, instead of Rocket Money's percentage-of-savings negotiation fee.
Canceling Premium: in the mobile app, go to Settings (the gear icon) → Premium Membership → Manage Membership; on the web dashboard it's Settings → Premium Membership → Manage. Cancellation takes effect at the end of the billing cycle, and Premium features keep working until then. If you subscribed through the App Store or Google Play, cancel from your store's subscription list instead. The full, source-verified walkthrough is at /subscriptions/cancel/rocket-money.
Deleting the account is a separate step — canceling Premium alone leaves your account and its bank connections in place. Unlink your financial institutions in the app's settings first, then use the account-deletion option (Rocket Money's help center documents the current path). Do it in that order: cancel Premium, unlink accounts, then delete — and export any transaction history you want to keep before the last step.
Rocket Money's fundamentals are stable — Premium remains pay-what-you-think-is-fair at $7–$14/month, and negotiation still costs 35–60% of first-year savings — but the field around it moved. Hiatus published flat $10/month or $48/year pricing, PocketGuard's pricing page went fully paid (7-day trial, then $12.99/month, $74.99/year, or $149.99 lifetime), and Trim stopped being a realistic alternative after the OneMain wind-down. Every price on this page was checked against the provider's own site on August 28, 2026.
Intuit shut down Mint on March 23, 2024 and moved users to Credit Karma. Credit Karma can sync accounts and show net worth, but it doesn't offer Mint-style budgeting or subscription management, so it isn't a like-for-like replacement. Former Mint users typically move to Monarch, Quicken Simplifi, or Copilot Money for budgeting, or to a private tracker like Gravity or Bobby if they mainly want to watch subscriptions and renewals.
Gravity and Bobby, both on iPhone. You add subscriptions yourself, so nothing links to a bank or card account. Gravity adds renewal reminders, trial alerts, and official-source-verified, step-by-step cancellation guidance for any service; Bobby is a simpler manual list with reminders. The trade-off versus Rocket Money is automation, you enter subscriptions rather than having them automatically detected, in exchange for keeping your financial accounts disconnected.
No on both counts. Gravity is a paid app, $19.99/month or $59.99/year, with no free tier, and it guides you through canceling rather than doing it for you. It tracks your renewals and trials and gives step-by-step, official-source-verified instructions to cancel any service, but you complete the cancellation yourself. It does not connect to a bank or card account.
In the Rocket Money app: Settings (gear icon) → Premium Membership → Manage Membership. On the web dashboard: Settings → Premium Membership → Manage. Premium features run until the end of the current billing cycle. If you originally subscribed through the App Store or Google Play, cancel from your store's subscription list instead — the app's own settings can't stop a store-billed charge. The step-by-step, source-verified walkthrough is at /subscriptions/cancel/rocket-money.
Cancel Premium first — deleting the app cancels nothing, and deleting the account doesn't refund the current cycle. Then unlink your financial institutions from the app's settings, and finally use the delete-account option (Rocket Money's help center documents the current path). Unlinking revokes the app's connection to your bank data going forward; export any transaction history you want to keep before deleting.
Gravity is made by Viral App Labs LLC. Competitor details are drawn from each provider’s own public information and can change; check the provider’s current site before deciding.
Gravity
Gravity helps you track subscription renewals, monitor free trials, and keep a clean list of what still needs attention.
Gravity