The best Rocket Money alternatives
Rocket Money is excellent at one job — finding and cancelling forgotten subscriptions. Most people who look for an alternative have already done that and now want something it is weaker at: a proper budget, manual tracking, or a lower price.
At a glance
| App | Price | Free version | Best for |
|---|---|---|---|
| Wally | Free | Yes — fully free, no subscription | Free category budgeting with no bank connection |
| Quicken Simplifi | $3.99/mo first year (billed annually), then $6.99/mo | No — no free tier or trial (30-day refund) | Cheap bank-sync budgeting with cash-flow projections |
| Monarch Money | $14.99/mo or $99.99/yr (Plus: $199.99/yr) | No — 7-day trial only | A complete picture: budgets, investments and net worth |
| Copilot Money | $13/mo or $95/yr | No — 1-month trial only | Apple users who want automatic categorization |
| PocketGuard | Plus $12.99/mo, $74.99/yr, or $149.99 lifetime | Limited free version; most features need Plus | One simple “safe to spend” number |
Why people leave Rocket Money
The most common reason is budgeting. Rocket Money’s free plan allows only a couple of custom budget categories and no manual transactions, so building a real category budget means paying for Premium — and even then, the app is designed around reviewing what already happened in your bank accounts rather than planning ahead.
Others leave over cost and friction: Premium is pay-what-you-choose at roughly $7 to $14 a month, Premium+ is $15, the website is now Premium-only, and bill negotiation takes 35–60% of a year’s savings on the lower tiers.
- 1.
Wally
Our appBest for: Free category budgeting with no bank connection
Wally is a free budgeting app for iOS and Android built around category budgets — including a 50/30/20 split — rather than subscription hunting. You add transactions yourself or import them from a CSV, which is slower than bank sync but means nothing is connected to your bank and nothing is behind a paywall.
- Price
- Free
- Platforms
- iOS & Android
- Accounts
- Manual entry + CSV import
The catch: Wally does not connect to your bank and will not find or cancel subscriptions for you. If that is what you used Rocket Money for, keep its free plan for that job.
See how Wally works - 2.
Quicken Simplifi
Best for: Cheap bank-sync budgeting with cash-flow projections
Quicken Simplifi keeps the automatic bank sync you are used to from Rocket Money but puts a spending plan and projected cash flow at the center. It is the cheapest of the major paid bank-sync apps.
- Price
- $3.99/mo first year (billed annually), then $6.99/mo
- Platforms
- iOS, Android, Web
- Accounts
- Automatic bank sync
The catch: Annual billing only and no free trial — you rely on a 30-day refund if it is not for you.
Read our Quicken Simplifi review - 3.
Monarch Money
Best for: A complete picture: budgets, investments and net worth
If you liked having everything in one place but want much stronger budgeting, Monarch is the most complete paid option, with forecasting and reports on web, iPhone and Android.
- Price
- $14.99/mo or $99.99/yr (Plus: $199.99/yr)
- Platforms
- iOS, Android, Web
- Accounts
- Automatic bank sync
The catch: No free plan after a 7-day trial; Core is $99.99 a year.
Read our Monarch Money review - 4.
Copilot Money
Best for: Apple users who want automatic categorization
Copilot Money pairs bank sync with AI categorization and also detects recurring subscriptions, so it covers the part of Rocket Money many people liked — on a far more polished budgeting app.
- Price
- $13/mo or $95/yr
- Platforms
- iPhone, iPad, Mac, Vision Pro and web (no Android)
- Accounts
- Automatic bank sync + AI categorization
The catch: Apple devices and web only — there is no Android app.
Read our Copilot Money review - 5.
PocketGuard
Best for: One simple “safe to spend” number
PocketGuard boils your finances down to how much you can spend after bills and goals. If Rocket Money’s dashboards felt like too much, that single number is the appeal.
- Price
- Plus $12.99/mo, $74.99/yr, or $149.99 lifetime
- Platforms
- iOS, Android, Web, Apple Watch
- Accounts
- Automatic bank sync (US, Canada, UK)
The catch: Its free version is limited; most features need PocketGuard Plus.
Wally vs PocketGuard
How to choose
Decide first whether you want bank sync. If you do, Simplifi is the budget pick, Monarch the complete one and Copilot the Apple-only one. If you would rather not connect your bank at all — or you mostly want to plan a monthly budget — a manual app like Wally does that for free.
Many people end up with two tools: Rocket Money’s free plan to keep an eye on subscriptions, and a dedicated budgeting app for the actual budget.
Still deciding whether to stay? Read our full Rocket Money review.
Frequently asked questions
What is the best free alternative to Rocket Money?
For budgeting, Wally is free on iOS and Android with category budgets and no paywall, though it does not connect to your bank. Rocket Money’s own free plan remains useful just for spotting subscriptions.
Is there an app like Rocket Money that does not connect to your bank?
Yes. Wally works entirely from transactions you enter or import from a CSV, so you never link a bank account. The trade-off is that it cannot find subscriptions automatically.
Which Rocket Money alternative has the best budgeting?
Among paid apps, Monarch Money and Quicken Simplifi both offer stronger budgeting than Rocket Money, with Simplifi the cheaper of the two. For free category budgeting, Wally is built for exactly that.