Rocket Money Alternatives in 2026: Best Subscription & Budgeting Apps

Managing subscriptions has become increasingly difficult. Between streaming services, software tools, and recurring bills, it’s easy to lose track of where your money is going, especially when life feels busy and overwhelming. 
That’s where subscription tracking and budgeting apps have stepped in to help, and have grown in popularity.

The Rocket Money app rose to be one of the leaders by tackling this exact problem.

From Truebill to Rocket Money

Originally launched as Truebill and later acquired by Rocket Companies, Rocket Money started as a subscription tracking app and gradually expanded into a lightweight budgeting app. Its growth accelerated even further after the shutdown of Mint, becoming a popular choice for people looking to manage subscriptions and spending in one place.

Rocket Money has been one of the largest players in the subscription management space.

Why Look for Rocket Money Alternatives?

Despite its size and popularity, Rocket Money isn’t for everyone. It’s only available to US users, relies heavily on bank connections, and blends subscriptions and budgeting in a way that doesn’t suit every user's desired workflow.

More people are now searching for alternative solutions to Rocket Money, whether they want better international support, more privacy, simpler subscription tracking, or deeper budgeting tools.

What This Guide Covers

This guide focuses primarily on subscription tracking alternatives to Rocket Money, with lighter coverage of budgeting apps and money management tools for users who want more complete financial control.

If you’re specifically comparing features and working out what your needs are you may also want to read our guide on what to look for in a subscription tracker.

We also have a comprehensive guide that covers the comparison of the best subscription trackers in more depth. 

Rocket Money Alternatives Comparison Table

Below is a high-level overview to help you quickly compare the main options before diving into each one in more detail.

Automated Subscription Trackers (Apps Like Rocket Money)

Automated subscription trackers are the closest match to the Rocket Money app. These apps typically connect to bank accounts to detect recurring charges automatically, giving users a clear overview of subscriptions in one place.

Compared to manual tools, automated trackers are easier to set up and better suited for users who want less friction. Although, they vary widely in focus, some prioritize alerts, others negotiation, and some aim to improve accuracy or international support.

Below are some of the top Rocket Money alternatives in this category:

Hiatus

Hiatus is a subscription and bill monitoring app built around alerts and awareness rather than active control. Instead of functioning as a full budgeting app or money management system, Hiatus focuses on helping users spot subscription charges, price increases, and forgotten recurring bills before they quietly add up.

The app connects to US bank accounts and credit cards to automatically detect subscriptions and recurring charges. It’s designed for passive monitoring, not hands-on financial planning, making it a good fit for users who want visibility without complex dashboards or budgeting workflows.

Hiatus currently operates only in the US.

Key Features

• Automatic subscription detection

• Price increase and bill change alerts

• Recurring charge monitoring

• Simple spending overview dashboard

• Subscription cancellation and bill negotiation (premium)

Pricing

Hiatus offers a free plan with basic subscription tracking and alerts. A paid subscription unlocks premium features such as concierge-style subscription cancellations, bill negotiation, and automated savings suggestions.

Why Pick Hiatus Over Rocket Money?

Choose Hiatus if you want simple subscription visibility and alerts without the heavier budgeting tools or all-in-one money dashboard found in Rocket Money.

Read our more in-depth review of the Hiatus app.

Trim

Trim is not a traditional subscription tracker. Its core focus is helping users lower existing bills and reduce recurring expenses automatically, with subscription tracking acting as a supporting feature rather than the main product.

Trim connects to US bank accounts to scan transaction history and identify recurring charges. Unlike Rocket Money or Hiatus, it places far more emphasis on taking action for you, especially through bill negotiation and assisted subscription cancellations.

Trim currently operates only in the US.

Key Features

• Identification of recurring subscriptions and bills

• Assisted subscription cancellations

• Bill negotiation for services like internet and phone

• Alerts related to savings opportunities

Pricing

Trim offers a free basic plan for subscription management and tracking. But the premium features are exclusively available to Onemain and Clearway users for free. They still take a fee on the successful savings of bill negotiations. 

Why Pick Trim Over Rocket Money?

Mostly only suitable if you are already a Onemain customer or plan to become one, or you just want trim for its subscription tracking features.

Choose Trim if bill negotiation is your primary goal and you prefer a hands-off, performance-based approach instead of managing subscriptions through a broader budgeting-style app like Rocket Money.
Also it's worth noting that Trim doesn't have its own mobile app (can be accessed inside the Onemain app).

Read is our deeper review of the Trim Subscription Tracker

Orbit Money

Orbit Money is an upcoming subscription management app designed with a more global audience in mind. Orbit focuses on simplicity and accuracy first, while introducing AI-assisted features to improve subscription visibility and help users save money over time.

Unlike many apps in this category, Orbit is being built with freelancers, creators, digital nomads and solopreneurs in mind, users who often manage both personal and business subscriptions together. It also plans to support multiple ways of detecting subscriptions, reducing reliance on bank connections alone.

Key Features

• Subscription detection via manual entry, email scanning, and bank connections

• Renewal and free trial alerts

• Separation of business and personal subscriptions

• SaaS deal matching and subscription insights

• Planned free-trial virtual cards

Pricing

Basic subscription tracking will always be free. Advanced features will be part of a premium plan, with additional benefits planned for early beta users.

Why Pick Orbit Over Rocket Money?

Orbit is a strong option for international users, as well as creators, freelancers, and digital nomads who want to manage both personal and business subscriptions in one place with a simpler, more flexible setup than Rocket Money.

Learn more about Orbit Money

Manual Subscription Tracking Alternatives

Not everyone wants a subscription tracker that connects directly to their bank accounts. For some users, privacy is a priority. For others, the issue is access, many automatic subscription tracking apps (including Rocket Money) only support US banks.

Manual subscription trackers offer a different approach. Instead of scanning transaction history, these apps rely on user-entered subscriptions, giving you full control over what’s tracked and how. They’re especially useful for international users, privacy-conscious individuals, and anyone who wants a simpler setup.

Bobby & Subby

Bobby and Subby are manual subscription tracking mobile apps built for users who want clarity and control without bank connections. Rather than pulling data from financial accounts, both apps rely on user-entered subscriptions to create a clear overview of recurring expenses.

Their appeal lies in simplicity. By avoiding bank connections entirely, Bobby and Subby work in any country and are well suited to users who prefer not to share financial data or who don’t have access to supported bank integrations.

Key Features

• Manual subscription entry

• Clear subscription list and monthly cost overview

• Renewal and billing reminders

• Simple, mobile-first interface

Pricing

Bobby and Subby typically use a low-cost or one-time purchase model. Free versions are available but limited, with optional upgrades unlocking additional features. There’s no ongoing subscription required to access core functionality.

Why Pick Bobby or Subby Over Rocket Money?

Choose Bobby or Subby if you want privacy-first, manual subscription tracking mobile app without linking bank accounts, or if you’re based outside the US and don’t have access to automatic subscription trackers like Rocket Money.

Read our deeper review of Bobby and Subby inside our guide on the best subscription trackers

TrackMySubs (For Freelancers & Creators)

TrackMySubs is a lightweight subscription tracking tool designed specifically for freelancers, creators, and small teams. Instead of focusing on personal subscriptions, TrackMySubs is built to help users manage recurring business SAAS tools and services across multiple platforms.

Because it doesn’t rely on bank connections, TrackMySubs gives users full control over their data and makes it easier to separate business subscriptions from personal expenses. It’s designed for organization and visibility, not budgeting or automated money management.

Key Features

• Manual subscription tracking

• Designed for freelancers and creators

• Clear overview of recurring tools and costs

• Simple interface focused on organization

Pricing

TrackMySubs offers a very limited free version, with affordable paid plans billed monthly or yearly. Pricing is aimed at solo entrepreneurs and small teams managing multiple subscriptions.

Why Pick TrackMySubs Over Rocket Money?

Choose TrackMySubs if you want a manual, business-focused way to track subscriptions, especially if you’re a freelancer or creator who doesn’t want to connect bank accounts or use a full personal finance app like Rocket Money.

Budgeting Apps as Rocket Money Alternatives

Some users prefer to have more complete control over their entire finances and not just subscriptions management, there are a few alternative apps that are known to be more complete budgeting and money management solutions as alternatives to rocket money. 

YNAB (You Need A Budget)

YNAB is built around behavior change, not tracking. Its zero-based budgeting system forces you to decide in advance where every dollar goes, making it one of the most opinionated budgeting apps available.

Why Pick YNAB Over Rocket Money?

Choose YNAB if you want a strict budgeting system that trains better money habits, not a passive subscription or spending overview.

Monarch Money

Monarch Money is designed as a financial command center. Its standout strength is combining budgeting, net worth tracking, and long-term financial goals into one customizable dashboard, often shared across households.

Why Pick Monarch Money Over Rocket Money?

Pick Monarch Money if you want a big-picture view of your entire financial life, not just subscriptions and monthly spending.

Copilot Money

Copilot Money focuses on real-time awareness and design. Its USP is a highly polished iOS experience with smart categorization that makes it easy to understand spending patterns as they happen.

Why Pick Copilot Money Over Rocket Money?

Choose Copilot Money if you want a fast, intuitive mobile budgeting app and care more about daily spending clarity than subscription management.

PocketSmith

PocketSmith stands out for forward-looking forecasting. Instead of focusing on what you’ve already spent, it helps you model future cash flow and see how today’s decisions affect your finances months or years ahead.

Why Pick PocketSmith Over Rocket Money?

Pick PocketSmith if you want to plan ahead and forecast future balances, not track or cancel subscriptions. It's also well suited to markets like the Australian and New Zealand markets and also the UK.

International Rocket Money Alternatives

Rocket Money is only accessible to US users which leaves out international users with the issue of subscription management. Here are a few alternatives to rocket money in different markets. 

Emma App

Emma is a money management app built primarily for users in the UK and Europe. It combines subscription tracking with spending insights, using local bank integrations to give users a clear overview of recurring charges and everyday spending.

Emma places a strong emphasis on visibility and categorization, helping users understand where their money is going without requiring complex budgeting systems.

Why Pick Emma Over Rocket Money?

Choose Emma if you’re based in the UK or EU and want local bank support with built-in subscription tracking, something Rocket Money doesn’t offer outside the US.
The premium versions are also very feature-rich.

Read our comprehensive review of the Emma App.

Frollo (Australia)

Frollo is an Australian money app powered by the country’s open banking framework. It focuses on giving users a clear view of their finances, including subscriptions, recurring bills, and spending patterns.

Frollo is designed around automation and financial insights rather than subscription cancellations, making it more suitable for users who want understanding and control rather than concierge-style services.

Why Pick Frollo Over Rocket Money?

Pick Frollo if you’re in Australia and want a locally supported budgeting and subscription overview app, since Rocket Money is not available in the region.

Other Notable Mentions

PocketSmith

(Mentioned in the budgeting category) PocketSmith is a notable option that supports international markets such as Australia, New Zealand, the UK and the US.

Orbit Money

Orbit Money, mentioned in the automated subscription tracker section is also planning to support international markets first, beginning with Australia and the US, followed by Europe and beyond.

Best Rocket Money Alternatives for Creators and Freelancers

Most subscription tracking and budgeting apps, including Rocket Money, are designed primarily for individuals managing personal subscriptions. That works well for everyday use, but it often falls short for creators, freelancers, and solo entrepreneurs who manage both business and personal subscriptions at the same time.

For these users, the challenge isn’t just tracking subscriptions, it’s keeping business tools, SaaS, and personal services organized without everything blending together.

The following Rocket Money alternatives are better suited for creators and solopreneurs who need clearer separation and more flexibility.

• TrackMySubs: Manual tracking designed for freelancers and creators managing SAAS business tools
  
  

• Emma (Ultimate tier): Budgeting and subscription tracking with stronger categorization for business use (UK & EU) Including multi-user accounts.
  
  

• Orbit Money (beta): Built with creators, freelancers, and solopreneurs in mind, supporting both personal and business subscriptions in one place
  
  

Summary: Finding the Right Rocket Money Alternative

Rocket Money helped popularize subscription tracking and lightweight budgeting, but it’s no longer the only option, and it isn’t the best fit for everyone. In 2026, there are strong Rocket Money alternatives for nearly every use case, from automated subscription alerts and bill negotiation to privacy-first manual tracking and full budgeting apps.

If your focus is subscriptions, tools like Hiatus, Trim, and Orbit Money stand out.

If you want privacy or international support, manual trackers like Bobby, Subby, and TrackMySubs offer more control.

And if you’re looking for broader financial management, budgeting apps such as YNAB, Monarch Money, Copilot Money, and PocketSmith provide deeper insight into spending and long-term financial goals.

The best alternative to Rocket Money is the one that fits how you manage your money, whether that’s personal, business, or both.