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Rocket Money vs Treasury
Cancelling Rocket Money? Start here.
Treasury finds your subscriptions too, keeps none of what it saves you, and handles the rest of your financial life while it’s there.
14-day free trial · cancel anytime
Rocket Money puts bill negotiation and its AI assistant behind a $15/mo plan, and is famously hard to cancel.
Rocket Money is a bill-negotiation and subscription-cancellation app, with budgeting features gated behind its premium tier. Treasury is an AI money coach and personal-finance command center that answers your money questions in plain English.
Bottom line: Treasury is the AI-first Rocket Money alternative — an AI money coach at $12.99/mo (or $95/yr).
Rocket Money’s bill negotiation now costs $15 a month.
Since November 2, 2026, Rocket Money only negotiates bills on Premium+, at $15 a month plus tax. Before that, Free and Premium members paid a success fee out of the savings. Treasury doesn't negotiate bills. It's one flat price, $95 a year, for budgets, bills, subscriptions and an AI money coach.
What Rocket Money can't do
One honest price
Every feature in one plan, no add-on tier.
Negotiation costs extra
Since Nov 2, 2026, bill negotiation needs Premium+ at $15/mo. It used to take 35–60% of the savings.
Real budgeting
Multi-budget, custom categories, and rules.
Shallow budgeting
No real multi-budget — tracking over planning.
AI money coach
Answers your money questions in plain English.
AI only on Premium+
Rowan, an AI assistant you text, needs the $15/mo plan.
Cancel anytime
No dark patterns, and we never sell your data.
Hard to cancel
A widely criticized cancellation flow — Trustpilot 3.2/5, 261 BBB complaints.
Bring your Rocket Money history with you.
Export your transactions before you cancel and Treasury takes the file as-is — categories, notes and tags included. Nothing is retyped and nothing is left behind.
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Connect your accounts
Link your banks and cards first, so Treasury is live from day one.
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Export before you cancel
Rocket Money’s transactions CSV — export it before you cancel, not after.
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Keep your categories
Yours are listed next to Treasury’s, and you pick which to keep.
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Review, then confirm
You see everything before it is written, and nothing lands twice.
Treasury vs Rocket Money questions
Is Treasury a good Rocket Money alternative?
Yes, if you want real budgeting and an AI advisor rather than mainly subscription cancellation and bill negotiation. Treasury has one transparent price with every feature included.
Does Treasury charge bill-negotiation fees?
No. Treasury is one flat subscription. Since November 2, 2026, Rocket Money only negotiates bills on its $15/mo Premium+ plan. Before that, its Free and Premium plans paid 35–60% of first-year savings when it lowered a bill.
Is Treasury easy to cancel?
Yes — cancel anytime. Rocket Money is widely criticized as hard to cancel.
Does Treasury negotiate my bills like Rocket Money?
No — that hands-off concierge negotiation is where Rocket Money genuinely fits better. Treasury focuses on budgeting, net worth, and AI coaching.
Is Rocket Money safe with my financial data?
Rocket Money is owned by Rocket Companies — the same parent as Rocket Mortgage — and its privacy policy permits sharing personal data within that family of lenders. In 2022 the privacy group EPIC filed a CFPB complaint over its data practices (no enforcement action as of June 2026). Treasury never sells your financial data and has no parent lender to cross-sell to.
See how much further your money can go.
Let Treasury uncover missed opportunities and show you what is possible across your entire financial life.
14-day free trial · Cancel anytime