Rocket Money alternatives

How the alternatives compare

Subskim

A free subscription tracker and renewal calendar for freelancers, with no bank login. This is our product. Subskim vs Rocket Money compares the two side by side.

Bank connection

Not needed. You add subscriptions by hand or from a screenshot of a billing page.

Finding subscriptions

You add subscriptions by hand or import a screenshot; trials and yearly renewals are flagged on a calendar.

Currencies

Each subscription keeps its own currency; totals are converted into your main currency.

Platforms

Web app; iOS and Android apps are on the way

Where it works

Anywhere; it runs in the browser

Price

Free. Every feature is included.

Choose it if

• You don't want to connect a bank or card account to a third-party app.
• You pay for tools in several currencies or live outside the US, and want one total and a renewal calendar.

Bobby

Bobby is an iPhone app from Yummygum for tracking subscriptions and fixed costs that you enter yourself, with notifications when a bill is due.

Bank connection

Not needed. You enter subscription details yourself, and the developer says the app never asks for payment credentials.

Finding subscriptions

You add them by hand. You pick from hundreds of listed services or create custom ones, and the app notifies you when a bill is due.

Currencies

Supports subscriptions in multiple currencies. It shows a foreign currency breakdown of your total and updates exchange rates daily.

Platforms

iPhone (the App Store says "Only for iPhone" and requires iOS 14.0 or later; its compatibility list also includes iPod touch, Macs with an Apple M1 chip or later, which the listing marks "Not verified for macOS", and Apple Vision)

Where it works

Not stated

Price

Free with in-app purchases (US App Store): All-in-one Pack $1.99, Unlock Subscription Limit $0.99, All-in-one Pack v2 $2.99, Unlock Category Limit $0.99, Security Pack $0.99, Visual Pack $0.99. The listing does not state a billing period.

Choose it if

• You want an iPhone tracker that never asks for payment credentials. The developer's legal notice says data you enter is stored on your device and included in an iCloud backup.
• You want to add subscriptions from hundreds of listed services, get notified when a bill is due, and see which foreign currency subscriptions make up your total.

TrackMySubs

TrackMySubs is a website-based subscription tracker where you enter recurring payments yourself and can get email alerts before payments are due.

Bank connection

Not needed. You enter subscriptions yourself, and the FAQ says the service was not built around access to bank accounts.

Finding subscriptions

You add them by hand (company, renewal date, billing cycle, cost, currency) or in bulk by CSV import. Zapier automations can also add or edit subscriptions. It does not find subscriptions for you.

Currencies

Yes. More than 160 currencies, including cryptocurrencies, are converted to your preferred currency at the daily rate.

Platforms

Web browser. The terms say the service is available only online through the website, and the homepage says it is compatible with Mac, Windows, iOS and Android. Support for the Chrome extension has ended.

Where it works

Not stated

Price

Free (Starter, up to 10 subscriptions); Unlimited $10/Month or $99.99/Year; Enterprise $30/Month or $299.99/Year

Choose it if

• You want to track subscriptions without connecting a bank account, get email alerts before payments, and see costs from more than 160 currencies converted to one currency.
• You track subscriptions for a business or for clients and want folders, tags, payment methods, CSV import and export, and Zapier integration. The free plan covers up to 10 subscriptions.

Wallos

Wallos is an open-source, self-hostable web app for tracking recurring subscriptions and payments.

Bank connection

Not needed; the official sources describe no bank connection, and your data stays on your own server

Finding subscriptions

You add, edit and delete subscriptions yourself (no automatic detection or bank import is described); it tracks due dates and can send payment reminders by email, Discord, Pushover, Telegram, Gotify or webhooks

Currencies

Supports multiple currencies; it can convert all subscriptions to your main currency using exchange rates from the Fixer API, which needs a free Fixer API key added in settings

Platforms

Self-hosted web app that you run on your own server (Docker, or bare metal with an NGINX or Apache web server and PHP 8.3) and open in a browser, with a responsive mobile layout; native iPhone or Android apps not stated

Where it works

Not stated (self-hosted; the official site says 21+ languages are supported)

Price

No pricing page; open-source software licensed under GPLv3 and described as "freely available to the community." You host it yourself.

Choose it if

• You want to self-host your subscription data on your own server, using Docker or an NGINX or Apache web server with PHP, with open-source GPLv3 code
• You track subscriptions in several currencies and want conversion to one main currency plus payment reminders through email, Discord, Pushover, Telegram, Gotify or webhooks

Monarch Money

Monarch Money is a paid personal finance app that brings your financial accounts into one view for budgeting, net worth tracking, goals, and reports, with a recurring calendar for bills and subscriptions.

Bank connection

Optional (the app is built around linking accounts through third-party data providers, but manual accounts and CSV imports are supported)

Finding subscriptions

Scans synced transactions to detect recurring charges and shows them in a recurring calendar with reminders; you can also add recurring merchants by hand

Currencies

No multi-currency support: all amounts are shown with a $ symbol and there is no currency conversion. Monarch recommends connecting only USD or CAD accounts.

Platforms

Web, iPhone, iPad and Android

Where it works

US and Canada

Price

No free plan; 7-day free trial (payment method required). Core: $14.99/month or $99.99/year (shown as $8.33/month billed annually). Plus: $199.99/year (shown as $16.67/month billed annually). Prices are in USD plus tax where applicable, and Canadian members are also billed in USD.

Choose it if

• You want subscription tracking inside a full budgeting app with net worth, budgets, goals, and reports, where recurring charges are detected automatically from your linked accounts.
• You share finances with a partner: household members each get their own login under one subscription at no extra cost.

Copilot Money

Copilot Money is a paid personal finance app for iPhone, iPad, Mac and web that connects to US financial accounts to track spending, budgets, investments, net worth and recurring charges.

Bank connection

Required: onboarding connects your bank accounts through a data aggregator (mostly Plaid, also Mastercard, MX and Akoya); manual accounts can be added alongside connected ones, and a free test drive is available before you connect any account

Finding subscriptions

Detects likely recurring transactions from your connected accounts during onboarding for you to review; you can also create Recurrings from an existing transaction and adjust name, amount and date filters

Currencies

USD only; the help center says it does not convert foreign currency transactions

Platforms

iPhone, iPad, Mac and web

Where it works

US only (US financial institutions and the US App Store)

Price

No free tier; 1-month free trial, then $13/mo billed monthly or $95 billed yearly (shown as $7.92/mo)

Choose it if

• You want subscription tracking built into a budgeting app that also tracks spending, investments, cash flow and net worth across iPhone, iPad, Mac and web.
• You bank with US institutions and want likely recurring charges detected from your linked accounts during onboarding, with filters you can adjust by name, amount and date.

YNAB (You Need A Budget)

YNAB is a paid budgeting app where you make a spending plan by assigning your money to categories ("give every dollar a job") and track transactions from linked or unlinked accounts.

Bank connection

Optional: you can link accounts for Direct Import (through Plaid or MX), or add unlinked accounts and enter transactions yourself or with File-Based Import (web app or iPad)

Finding subscriptions

You enter recurring expenses yourself as scheduled transactions, with repeat options from daily to every other year. When transactions come in through Direct Import or File-Based Import, YNAB automatically matches and approves them against the scheduled ones. The official sources reviewed do not describe a separate subscription detection feature.

Currencies

One currency per plan. You choose the currency, but you can't mix currencies in a single plan. For more than one currency, YNAB recommends a separate plan for each.

Platforms

Web (in the browser, no desktop download), iPhone, iPad, Android and Apple Watch

Where it works

Not stated as a country list. YNAB is priced in US dollars. Direct Import supports select US, Canadian, UK and EU banks, and File-Based Import is offered for other regions. VAT is collected on subscriptions in the EU.

Price

Monthly Plan: $14.99 USD/month. Annual Plan: $109 USD paid annually (shown as $9.08 USD/month). Both plus tax where applicable. Priced in US dollars. Free 34-day trial with no credit card when you sign up directly (the App Store listing says 30 days through Apple). College students get a free 365-day trial.

Choose it if

• You want a full spending plan, not only a subscription list, and want to choose between linked bank import and fully unlinked accounts with manual or file-based entry.
• You budget with others: one subscription can be shared with up to six people, and it runs on web, iPhone, iPad, Android and Apple Watch.

PocketGuard

PocketGuard is a budgeting and spending tracker app that can link to bank accounts to find bills and subscriptions, with a paid Premium (Plus) plan.

Bank connection

Optional: you can start with manual cash accounts and transactions, but automatic bill and subscription detection works from linked bank accounts

Finding subscriptions

Detects recurring bills and subscriptions from linked bank accounts and alerts you 3 days before upcoming charges; you can also add bills by hand

Currencies

The official site says the app does not currently offer multi-currency transactions

Platforms

Web, iPhone, Apple Watch and Android

Where it works

Bank and card connections in the United States, Canada and the United Kingdom; for Europe, Australia and Latin America, the help center says you can use the web app by adding accounts and transactions manually

Price

Free core features (per the official Google Play listing); PocketGuard Premium (Plus): $12.99/month, $74.99 billed yearly (shown as $6.25/month), or $149.99 lifetime as a one-time payment; 7-day free trial. All prices in US dollars; the app store listings say prices may vary by region.

Choose it if

• You want bills and subscriptions found automatically from linked US, Canadian or UK bank accounts, with a notice 3 days before each upcoming charge.
• You want a budgeting app with category budgets, a debt payoff plan, savings goals and a bill negotiation service, and the option to pay once for lifetime access ($149.99) instead of a recurring subscription.

Emma

Emma is a budgeting and money management app from UK-based Emma Technologies Ltd that links to your bank and card accounts to track spending, budgets, and recurring payments and subscriptions.

Bank connection

Required: you must connect at least one current/checking, savings or credit card account to use the app (read-only connection). The free plan allows 2 bank logins, Plus allows 4, and Pro and Ultimate are unlimited.

Finding subscriptions

Detects recurring payments and subscriptions automatically in linked bank and card accounts (Direct Debits, standing orders, regular card payments), and you can add ones it misses by hand. Weekly bill reminders are a Plus, Pro and Ultimate feature, and the features page also advertises alerts when subscription prices go up. The help center lists the Recurring payments section as a Plus, Pro and Ultimate feature, while the Basic (free) plan description mentions tracking subscriptions. The help center says Emma cannot cancel payments for you in the app; you cancel through your bank or the provider.

Currencies

Emma can set the app to display GBP, USD, CAD or EUR (you ask support to change it). The setting applies to the whole app, so you cannot pick a different currency for individual accounts.

Platforms

iPhone, iPad, Android and web (the web dashboard is only for Plus, Pro and Ultimate subscribers)

Where it works

UK, US and Canada (bank connections only in those three countries; Emma Save and Emma Invest are UK-only)

Price

Free Basic plan; Plus $4.99/month or $41.99/year; Pro $9.99/month or $83.99/year; Ultimate $14.99/month or $124.99/year (US prices from Emma's US help center). Prices vary by region: the UK pricing page lists Plus £4.99/month or £41.99/year, Pro £9.99/month or £83.99/year, Ultimate £14.99/month or £124.99/year, and Canada uses the same figures in CAD. Paid plans come with a 7-day free trial.

Choose it if

• You live in the UK, US or Canada and want the app to find subscriptions and other recurring payments in your linked bank and card accounts automatically.
• You want budgeting, spending analysis, bill reminders and subscription price-increase alerts in one app, plus Emma's savings and investing products if you are in the UK.