Rocket Money alternatives: 7 options for tracking subscriptions (2026)

Why people look for a Rocket Money alternative

Rocket Money does three different jobs: it spots recurring charges in your linked accounts, it tracks your budget, and on Premium it will try to cancel subscriptions for you. People who look elsewhere usually hit one of these points, all taken from Rocket Money's own help centre and pricing pages (checked 25 September 2026):

• Country. Rocket Money states that it is "only available to users located within the United States and with U.S. based banks". If you live in the UK, Canada or anywhere else, you need something else.
• Bank linking. Detection depends on linking your checking, savings and card accounts through Plaid. Some people don't want a third party reading their accounts.
• Price. The free tier covers subscription tracking, budgeting and bill reminders. The cancellation service needs Premium ($7 to $14 a month on its sliding scale, or $84 to $168 a year). Premium+ is listed at $15 a month. Bill negotiation, if you use it, costs 35% to 60% of the first year's savings unless you're on Premium+.
• Cancellation limits. Even on Premium, Rocket Money says subscriptions billed through Apple, Google Play, Amazon, Roku and PayPal have to be cancelled directly with those platforms.

None of this makes it a bad choice. It means the right alternative depends on which of these points brought you here.

What to check before you switch

Our guide to choosing a budgeting app compares full budgeting apps on more criteria. This page focuses on one job: knowing what renews, and stopping what you don't want.

If you want automatic detection from your bank (US)

Monarch. Monarch's recurring calendar tracks subscriptions, bills, transfers and paychecks, and it scans newly synced transactions for new recurring items. You can also add a recurring merchant by hand. Price at the time of writing: $14.99 a month or $99.99 a year for the Core plan, with a 7-day free trial. It works in the United States and Canada, billed in US dollars.

Copilot Money. Copilot detects likely recurring transactions during setup and shows rent, bills and subscriptions in a monthly view. It is listed at $95 a year (monthly billing is also offered) with a one-month free trial. It runs on iPhone, iPad, Mac and the web; its FAQ says it only supports US-based financial institutions and lists no Android app.

PocketGuard. Its App Store listing says bills and subscriptions are "identified automatically" once you connect your bank, and it offers help negotiating rates with providers. PocketGuard Plus is $12.99 a month or $74.99 a year on the US App Store. It connects to US and Canadian institutions only.

If you live in the UK

Emma. Emma presents subscription tracking as a core feature: bills and subscriptions in one place, price-hike alerts, and cancelling what you don't need "in a few taps". The base app is free. Paid plans at the time of writing: Emma Plus £4.99 a month or £41.99 a year, Emma Pro £9.99 a month or £83.99 a year, Emma Ultimate £14.99 a month or £124.99 a year. Check which plan includes the features you want before paying.

UK readers also get stronger legal protection soon: new subscription rules with renewal reminders and easier exits are due in January 2027. Our guide to cancelling subscriptions and contracts covers the law in both countries.

If most of your subscriptions are billed by Apple or Google

Many subscriptions never appear under the service's own name on your statement, because the App Store or Google Play bills them. For these, the free built-in pages are often the fastest route:

• iPhone: Settings, tap your name, then Subscriptions, choose the subscription and tap Cancel Subscription.
• Android: open Google Play, go to your subscriptions, choose one and tap Cancel subscription. Google warns that uninstalling an app does not cancel its subscription.

These pages show everything billed through that store, and nothing else. Your gym, your broadband and your streaming service paid by card won't be there.

If you don't want to link your bank at all

A spreadsheet and your calendar. List each subscription with its price, billing cycle and next renewal date, then add a calendar alert a week before each annual renewal. It's free and private. The drawback is that nothing reminds you to update the sheet.

Binome360. Binome360 is a personal assistant app where you type or say what you pay for and it prepares the record; nothing is saved until you confirm. For subscriptions, that means:

• each subscription logged as a recurring expense, so you see a monthly total per currency;
• a reminder before each renewal or trial end, created in one sentence;
• a note of account numbers or policy references you'll need to cancel.

Its limits, plainly: Binome360 doesn't connect to bank accounts, so it can't detect subscriptions automatically, and it doesn't cancel anything or move money. You find the charges on your statements; it keeps the list and speaks up before each renewal. It works in English and French, on Android, on iPhone as a web app installed from Safari, and in any browser. After a 7-day free trial it costs $3.99 a month, $8.99 for 3 months or $23.99 a year on the web.

Comparing the yearly cost

Here's what each option costs over a year at the time of writing (checked 25 September 2026), for the plan most people would use to track subscriptions:

"Not stated" means we didn't find it on the company's own pages; it isn't a claim that the feature doesn't exist.

If you're leaving Monarch instead

The same logic applies if you're looking for a Monarch Money alternative. Monarch is a full budgeting and net-worth app, so ask what you'll miss:

• You mainly want subscription tracking: Rocket Money's free tier covers subscription tracking in the US, and the Apple and Google pages cover store billing.
• You want sync but a lower yearly price: PocketGuard Plus and Copilot Money cost less per year at the time of writing; both are limited to North American (PocketGuard) or US (Copilot) institutions.
• You live outside North America, or want to log cash and mobile money: a manual-entry app such as Binome360 fits better. Our budgeting app comparison covers YNAB, Goodbudget and EveryDollar too.

Monarch lets you download your transaction history before you go, and it imports CSV files on the web (one file per account), which helps if you're moving the other way.

How to switch without losing your list

To end Rocket Money Premium itself, the help centre says to move the price slider to $0 and tap Cancel Subscription; access continues to the end of the billing cycle.

Frequently asked questions

Is there a free alternative to Rocket Money?

Yes, depending on the job. The Apple and Google Play subscription pages are free for anything billed through the stores, and a spreadsheet with calendar alerts costs nothing. Emma's base app is free in the UK, and Rocket Money's own free tier includes subscription tracking.

Which subscription tracker works outside the US?

Rocket Money, Copilot Money and PocketGuard are limited to US (or US and Canadian) institutions. In the UK, Emma is built for UK banks. Anywhere else, a manual list works: Binome360 keeps it in any currency, without a bank connection.

Can an app cancel my subscriptions for me?

Some can try: Rocket Money Premium has a cancellation service for certain subscriptions. No app can cancel Apple or Google Play billing for you; you do that from your phone's settings.

Is it safe to link my bank to a subscription tracker?

That's a personal judgement. Read the app's privacy policy, check which data aggregator it uses, and in the UK check the firm on the FCA register. If you'd rather not link, use a manual list.

In short

If you want automatic detection, choose an app built for banks in your country: Monarch, Copilot or PocketGuard in North America, Emma in the UK. If you'd rather keep your bank private, a manual list with renewal reminders does the essential job, in a spreadsheet or in Binome360.

First step: export 12 months of transactions tonight and write down every recurring charge with its next renewal date.

Sources

All company information checked on 25 September 2026.

• Rocket Money Help Center, "How much does Rocket Money cost?" (free tier, sliding-scale Premium, 7-day trial, bill negotiation 35–60%): help.rocketmoney.com.
• Rocket Money, "Rocket Money Pricing: What's Free vs. What's Premium vs Premium+?", 19 January 2026 ($7–$14 Premium, $15 Premium+): rocketmoney.com.
• Rocket Money Help Center, "Does Rocket Money support international banks?": help.rocketmoney.com; "How do I cancel a subscription on Rocket Money?": help.rocketmoney.com; "Exporting transactions": help.rocketmoney.com; FAQ (Plaid): rocketmoney.com/faq.
• Monarch, pricing page and Help Center "Pricing": monarch.com/pricing, help.monarch.com; "Monarch in Canada": monarch.com/canada; "Tracking Recurring Expenses and Bills" and "Importing Transactions Manually": help.monarch.com.
• Copilot Money, pricing page and FAQ: copilot.money/pricing, copilot.money/faq.
• PocketGuard, Inc., US App Store listing: apps.apple.com/us/app/id949414211.
• Emma, "Track and cancel unwanted subscriptions": emma-app.com; "How much does Emma Plus/Pro/Ultimate cost?": help.emma-app.com.
• Apple Support, "Cancel a subscription from Apple": support.apple.com.
• Google Play Help, "Cancel, pause or change a subscription on Google Play": support.google.com.

Also available in Français.