Rocket Money alternative
Looking for a Rocket Money alternative?
Piggey shows you where your money goes — AI does the categorizing, no bank login, no budgeting homework. Free to start.
Try the alternative freeWhy people look for Rocket Money alternatives
Rocket Money is genuinely good at its headline feature: surfacing subscriptions and cancelling them for you. The catches that send people looking for alternatives: the bill-negotiation fee (35–60% of first-year savings), the persistent premium upsells inside the free tier, the "pick your price" premium that anchors you to $6–12/mo, and the mandatory bank linking.
- Bill negotiation keeps 35–60% of your first-year savings
- Free tier is an upsell funnel — premium prompts everywhere
- Requires full bank linking
- Spending insights beyond subscriptions are shallow
What to look for in an alternative
Does it need your bank password?
Most finance apps only work if you hand your bank credentials to a third-party aggregator. If that's the part that makes you uneasy, look for an app that works from data you export yourself.
How much work does it demand?
Budgeting apps fail when the maintenance burden wins. Be honest about whether you'll do weekly check-ins — and if not, pick a tool where the insight is automatic.
Who does the categorizing?
Categorization is where spending clarity lives or dies. Rule-based systems miscategorize constantly; manual systems get abandoned. AI that reads real bank descriptions is the difference between a chore and a dashboard.
Piggey vs Rocket Money, side by side
Rocket Money's headline trick is cancelling subscriptions for you and negotiating bills — for which it keeps 35–60% of the first year's savings. Piggey finds the same forgotten subscriptions with AI, then you cancel them yourself and keep 100% of the money. No bank login, no percentage.
| Piggey | Rocket Money | |
|---|---|---|
| Price | Free, or $16/mo Pro — first month free | Free tier + Premium $6–12/mo (pay-what-you-pick) |
| Free plan | Yes — a real one, forever | Yes — limited, with frequent upsells |
| Bank login | Never. Import a CSV — your credentials stay at your bank | Required |
| Budgeting required | None required | Light budgeting features |
| AI categorization | Automatic — AI tags your whole history at once | Basic automatic categorization |
| Subscription detection | Yes (Pro) — flags the charges worth cancelling | Yes — the headline feature, with concierge cancellation |
| AI assistant | Penny — ask anything about your money in plain English | No |
| Setup time | ~5 minutes | ~15 minutes |
| Platforms | Any browser | iOS, Android, web |
| Privacy | No bank credentials, no data selling | Owned by Rocket Companies; bank linking via aggregators |
Switch to Piggey if…
People who are perfectly capable of cancelling a subscription once they know it exists. Piggey's AI finds the recurring charges, flags what looks forgotten, shows you the yearly cost of each — and keeps 0% of your savings.
Stick with Rocket Money if…
People who want someone else to make the cancellation phone call — the concierge service is real, and for an awkward gym membership it might be worth the cut.
Making the switch
Nothing to migrate — export CSVs from your bank, import to Piggey, and the subscription detection re-finds everything Rocket Money was tracking (plus the spending picture around it).
- 1Export a CSV from your bank (or from Rocket Money, if it offers exports)
- 2Drop it into Piggey — the AI categorizes your whole history at once
- 3Review the dashboard, correct anything the AI got wrong (it learns)
- 4That's it. Repeat monthly — about five minutes
Other Rocket Money alternatives worth knowing
Piggey isn't the right fit for everyone — different tools suit different people. Here are the other serious options, with honest one-liners:
- Mint
The free budgeting pioneer that Intuit shut down in 2024, sending millions of users looking for a new home.
- YNAB
The envelope-budgeting methodology with devoted fans, a real learning curve, and a $109/yr price tag.
- Monarch Money
The polished heir to Mint's throne — full-featured, household-friendly, $99.99/yr, and built around bank linking.
- Copilot Money
The prettiest finance app in the room — genuinely smart ML categorization, but Apple-only and $95/yr.
- PocketGuard
The "In My Pocket" app — boils your finances down to one spendable number, behind a bank link and a $74.99/yr Plus tier.
- Empower
Free net-worth and investment dashboard (formerly Personal Capital) — with a wealth-management sales team attached.
Frequently asked questions
Does Piggey cancel subscriptions for me like Rocket Money?
No — Piggey finds and flags recurring charges with AI, shows what each costs per year, and tracks the ones you've marked to cancel. You do the actual cancelling and keep 100% of the savings. Rocket Money will cancel for you, but its bill negotiation keeps 35–60% of first-year savings.
Is Piggey's subscription detection free?
Subscription detection is part of Piggey Pro ($16/mo, first month free). The free plan covers CSV import, AI categorization, and spending trends.
Do I have to link my bank account?
Never. Piggey works entirely from CSV exports you download from your bank — no credentials, no aggregators.