Rocket Money Alternatives 2026: 7 Options, 4 Free

Rocket Money today: Free (Free plan: subscription tracking, bill negotiation (35% to 60% of first-year savings, only if it succeeds), transaction history, a total budget plus up to two custom categories; mobile app only); paid from $7 per month (Premium, pay-what-you-think-is-fair, typically $7 to $14; Premium+ is $15) (Rocket Money pricing, checked 2026-10-23).

Why people look for Rocket Money alternatives

Rocket Money's free tier shows subscriptions and upcoming bills, but cancelling a subscription through its team, unlimited category budgets, net worth tracking, CSV export and desktop access need Premium, which it prices on a pay-what-you-think-is-fair scale of $7 to $14 per month. Bill negotiation costs 35% to 60% of the first year's savings on Free and Premium; Premium+ at $15 per month removes that success fee. Rocket Money says the Premium range is subject to change.

Actual Budget

Compared with Rocket Money: MIT-licensed budgeting app you host yourself, with no paid tier in its repository. You give up Rocket Money's bill negotiation and one-tap cancellations, and gain full control; bank syncing needs a separate billed service.

Price: Free (Open-source app you host yourself; the repository lists no paid tier) (Actual Budget pricing, checked 2026-10-22).

Platforms and license: Web (self-hosted). MIT (open source).

Project activity: 29.8k GitHub stars · latest release v26.10.0 (Oct 2, 2026) · last commit Oct 27, 2026

Best for: Self-hosted budgeting with no subscription.

Firefly III

Compared with Rocket Money: AGPL-3.0 personal finance manager you run yourself, free of charge. It has no subscription cancelling or bill negotiation like Rocket Money, and it asks you to manage a server and back up the database.

Price: Free (Open-source personal finance manager you host yourself; no paid tier in the repository) (Firefly III pricing, checked 2026-10-22).

Platforms and license: Web (self-hosted). AGPL-3.0 (open source).

Project activity: 25k GitHub stars · latest release v6.7.9 (Oct 11, 2026) · last commit Oct 26, 2026

Best for: Detailed tracking you control.

Worth knowing: Self-hosted, so you run the server and back up the database yourself. The repository describes it as a personal finances manager.

Empower Personal Dashboard

Compared with Rocket Money: The dashboard and financial tools are free, aimed at net worth and investment tracking. Budgeting is thinner than Rocket Money's, and it has no cancellation or negotiation service.

Price: Free (The dashboard experience and financial tools are free; separate advisory services charge fees based on assets managed) (Empower Personal Dashboard pricing, checked 2026-10-23).

Platforms and license: Web. Proprietary SaaS.

Best for: Free net worth and investment view.

Worth knowing: Reviews describe it as stronger at net worth and investment tracking than at detailed budgeting.

Goodbudget

Compared with Rocket Money: Free plan gives 10 regular and 10 extra envelopes, 1 account and 2 devices. It is manual envelope budgeting; automatic bank sync (US banks) costs $10 a month, so it replaces Rocket Money's budgets, not its subscription tools.

Price: Free (Free plan: 10 regular and 10 'more' envelopes, 1 account, 2 devices, 1 year of history); paid from $10 per month (Premium; $80 billed annually) (Goodbudget pricing, checked 2026-10-23).

Platforms and license: Web, iPhone, Android. Proprietary SaaS.

Best for: Envelope budgeting for free.

Worth knowing: Automatic bank sync is US banks only and sits on the paid plan.

YNAB

Compared with Rocket Money: $14.99 a month or $109 a year after a 34-day trial, no free plan. More expensive than Rocket Money's typical $7 to $14, but a budgeting method rather than a bill-saving service.

Price: Paid from $14.99 per month, billed monthly ($109 per year billed annually; 34-day free trial) (YNAB pricing, checked 2026-10-23).

Platforms and license: Web. Proprietary SaaS.

Best for: Budgeters who want a method.

Worth knowing: No ongoing free plan; the trial needs no credit card when you sign up directly.

Monarch Money

Compared with Rocket Money: $14.99 a month or $99.99 a year with a first-week trial and no free plan. Pricier than Rocket Money's Premium range, with a focus on budgets and net worth rather than bill negotiation.

Price: Paid from $14.99 per month, billed monthly ($99.99 per year billed annually) (Monarch Money pricing, checked 2026-10-23).

Platforms and license: Web. Proprietary.

Best for: Couples tracking budgets together.

Copilot Money

Compared with Rocket Money: $7.92 a month or $95 a year with a one-month trial, on iPhone, iPad, Mac and web. Priced near Rocket Money Premium but it has no Android app.

Price: Paid from $7.92 per month ($95 billed yearly; 1-month free trial) (Copilot Money pricing, checked 2026-10-23).

Platforms and license: iPhone, iPad, Mac, Web. Proprietary SaaS.

Best for: Apple users who want a polished app.

Other popular options (paid)

Quicken Simplifi

Compared with Rocket Money: Simplifi lists $3.99 a month billed annually ($6.99 also shown) and no free plan, against Rocket Money's free tier with a total budget and two custom categories. The page mentions no trial.

Price: Paid from $3.99 per month, billed annually ($6.99 also shown) (Quicken Simplifi pricing, checked 2026-10-25).

PocketGuard

Compared with Rocket Money: PocketGuard is $74.99 a year ($6.25 a month) or $12.99 monthly, after a 7-day trial. The paid tier lists unlimited category budgets, rollover budgeting and subscription cancelling, where Rocket Money's free plan stops at two custom categories.

Price: Paid from $6.25 per month, billed yearly at $74.99 ($12.99 monthly; $149.99 lifetime) (PocketGuard pricing, checked 2026-10-25).

Which one to pick

• You want a free budget you host yourself: Actual Budget
• You want a free view of net worth and investments: Empower Personal Dashboard
• You like envelope budgeting and want it free: Goodbudget
• You want a paid budgeting method: YNAB
• You are on Apple devices and want a polished paid app: Copilot Money