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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.

Try Treasury free

14-day free trial · cancel anytime

Rocket Money profits from surprise success fees 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 takes a cut of your savings.

Its headline feature — bill negotiation — bills you a success fee that comes straight out of the savings you were promised.

Example: Rocket Money negotiates $1,000 off your bills. Here's what you actually keep.

With Treasury You keep $1,000

No success fee — Treasury is one flat price.

With Rocket Money You keep $400–$650

their cut

Rocket Money takes 35–60% of the first year's savings, charged upfront.

What Rocket Money can't do

One honest price

No success fees, ever.

Surprise success fees

35–60% of negotiated savings, charged upfront.

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.

No AI advisor

No consumer AI coach.

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.

Connect your accounts

Link your banks and cards first, so Treasury is live from day one.
Export before you cancel

Rocket Money’s transactions CSV — export it before you cancel, not after.
Keep your categories

Yours are listed next to Treasury’s, and you pick which to keep.
Review, then confirm

You see everything before it is written, and nothing lands twice.

Import your data from Rocket Money

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 no success fees.

Does Treasury charge bill-negotiation fees?

No. Treasury is one flat subscription. Rocket Money charges 35–60% of first-year savings as an upfront fee, which surprises many users.

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.