Compare
My AI Fin App vs Rocket Money
Subscription tracking and bill negotiation, with a free tier and pay-what-you-want Premium.
Rocket Money made its name finding and cancelling subscriptions. There's a free tier, a Premium tier where you choose the price, and a bill negotiation service that takes a share of what it saves you. Here's where we differ.
Facts about Rocket Money checked September 2026 from the sources below. If something is out of date, tell us.
Price
My AI Fin App
Free for everything you enter by hand. Pro is $5.99/mo or $49/yr for bank sync, and free during early access.
Rocket Money
Free tier. Premium is pay-what-you-want, roughly $7 to $14/mo. Premium+ is $15/mo. Bill negotiation charges 35% to 60% of the first year of savings.
Free tier
My AI Fin App
Everything, unlimited. Only bank sync is paid.
Rocket Money
Account linking, a subscription list, spend tracking, and two custom budget categories.
Bank sync
My AI Fin App
Pro, through Plaid, refreshed nightly. Manual entry is a full path.
Rocket Money
Included in the free tier.
Apple Card
My AI Fin App
Yes, Pro. The iPhone app reads Apple Card, Apple Cash and Apple Savings from Wallet through Apple's FinanceKit, with no bank login, and updates each time you open it.
Rocket Money
Yes, through Plaid, which reads Apple's FinanceKit on the iPhone.
Debt payoff
My AI Fin App
The center of the app: snowball and avalanche side by side, extra payments that roll over, planning payments that actually shrink card balances, and a warning when a payment can't cover its own interest.
Rocket Money
Balance tracking and alerts.
Subscriptions
My AI Fin App
Recurring charges are detected and listed. Cancelling is up to you.
Rocket Money
Finds subscriptions for free; cancels them for you on Premium.
Households
My AI Fin App
Free, with owner, member, and viewer roles. Every member's bank connections feed one picture.
Rocket Money
Account sharing is a Premium feature.
Rules, notes, exports
My AI Fin App
Included free.
Rocket Money
Premium.
AI assistants
My AI Fin App
Connect Claude, ChatGPT or Cursor to your own data. The app does the math; the assistant explains it. Read-only by default, revoke any time.
Rocket Money
Rowan, their own texting assistant, on the $15/mo Premium+ tier only. No connection to an outside assistant.
Privacy
My AI Fin App
No ads, no data selling. Revenue is Pro subscriptions.
Rocket Money
Owned by Rocket Companies. Funded by Premium and negotiation fees.
Pick Rocket Money if
- You want someone to cancel subscriptions and negotiate bills for you.
- You want credit score monitoring in the same app.
- You want free bank sync and can live with the free tier limits.
Pick My AI Fin App if
- Debt is the problem you are solving and you want a date.
- You want rules, exports, and household sharing without paying for them.
- You want a product with nothing to upsell you into.
How we make money
Pro. $5.99 a month, or $49 a year, for automatic bank sync. That is the whole list. Everything you can type in by hand is free for as long as you use it, with no ads, no offers and no selling your data, ever.
- No ads
- No "recommended" offers
- No data sold
- No credit card to start
Sources
Other comparisons
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Fifteen minutes to the full picture.
Connect a bank or type in a few balances. Net worth, budget, spending, your debt-free date and alerts: free to start, with nothing to sell you.
No credit card. No ads. Your data is never sold. Pro is free during early access.