Honest comparison
Piggey vs Rocket Money
The subscription-cancellation app with a concierge service — and a cut of your savings.
TL;DR
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.
At a glance
| 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 |
The real differences
The 35–60% question
Rocket Money's bill negotiation fee is 35–60% of the first year's savings — you pick the rate, but you can't pick zero. Save $120 on your internet bill and $42–72 of it goes to Rocket. Piggey's model: the AI shows you every recurring charge and its annual cost; you cancel or negotiate yourself; you keep all of it. The five-minute phone call to your ISP is the highest-paying work you'll do that week.
Subscriptions are the start, not the whole story
Forgotten subscriptions are usually the gateway drug to spending clarity — you find $40/mo of zombie charges and start wondering what else is hiding. Rocket Money's insights mostly stop at subscriptions and a light budget. Piggey treats subscriptions as one output of a complete AI-categorized picture: trends, categories, merchants, and Penny to answer the follow-up questions.
Bank login, again
Rocket Money requires linking your accounts. Piggey works from CSV exports — your bank credentials never touch a third party. If the entire reason you want a subscription audit is distrust of where your financial data flows, the audit tool shouldn't be another place it flows.
Where Rocket Money shines
- Concierge cancellation actually cancels things for you
- Bill negotiation can lower bills you'd never call about yourself
- Real free tier
- Simple, approachable design
Where Rocket Money falls short
- 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
Pick 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.
Pick 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.
Switching is easy
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).
Try Piggey freeFrequently 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.