Rocket Money alternatives

Finds the subscriptions you forgot about, and cancels them for you.

3 of its 6 core features can be rebuilt with AI. Here is one, working, below.

They makeRevenue estimate on Sensor Tower: $600K a month
You pay: Varies
AI can rebuild: 3 of 6 core features

Try it

Visual demo only. Copy the prompt below to get the app.

Build it yourself

Real files on your machine, a real database, and it is yours. This one carries the interface as well — the layout, the colours and the shape of the real app, read off its own screens.

Each opens with the prompt loaded and waiting — nothing is sent until you press enter. It is copied at the same time, in case the app is not installed.

Build me a local subscription and bills tracker I own, to replace Rocket Money.

- A web app I run on my own machine: a single Node process serving one page, data in a SQLite file next to it.
- Model it properly: accounts, transactions, merchants and subscriptions. A subscription is a recurring series, and every transaction links to its series.
- Finding forgotten charges needs transactions, not a bank deal: import CSV exports from my bank and cards with a per-bank column mapping, and dedupe on date plus amount plus description.
- Detect recurrence: group by normalised merchant, cluster by amount within a tolerance, and test the gaps for a weekly, monthly, quarterly or yearly rhythm. Let me confirm or reject each.
- Predict the next charge date, normalise every cost to monthly, and flag a series whose amount has gone up.
- Optional: an open banking API such as GoCardless or Plaid, key from .env, instead of CSV exports. It needs an agreement and is not free.
- A budget per category, and a cancelled list that stops counting and adds to a running saved total.
- One command to import a folder of CSVs, one to export everything, one to back up.
- Binds to localhost only. No accounts, no telemetry. This is my bank data.
- Skip: cancelling on my behalf, bill negotiation and credit scores. Those are people on the phone and a bureau.
- Include a README with setup and the CSV mapping format.

## Look and feel

Rocket Money's own — near-black deep green, a bright lime-mint accent, money figures large and confident, every subscription its own card row. Generous spacing, clear hierarchy, big tap targets, phone-readable type, system font. Keep the text dark enough to read at a glance: the softness of a palette belongs to the shapes and the fills, never to the words. Nothing I need to read — dates, numbers, labels — in pale grey on white.

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Feature by feature

Every feature, whether AI can rebuild it, and what you would be signing up to keep running if you did. The paid app does that last column for you, and that is most of what the money buys.

Feature	Core	AI can rebuild	You'd maintain
Finds recurring charges you had forgotten aboutThe finding is the product. It works by reading a live feed of your bank transactions, and that feed costs money per account per month.	Yes	No	You would list them yourself
A list of every subscription with its next charge date	Yes	Yes	You keep the list up to date
Total recurring spend a month and a year	Yes	Yes	Nothing
Cancels a subscription on your behalfThis is a person in a chat window or on hold, not code. It is the single thing most people are actually paying for.	Yes	No	You would cancel them yourself
Budget by category with spending alerts	Yes	Yes	You would type your spending in
Bank and card connectionConnecting to banks means paying an aggregator like Plaid and being trusted by them. No prompt produces that relationship.	Yes	No	You would type transactions in
Net worth across every account	No	Partly	You would update the balances yourself
Bill negotiation on your internet and phoneReal people phoning your provider and arguing, paid out of what they save you. There is no software version of that.	No	No	You would ring them yourself
Credit score monitoringA score comes from a credit bureau, and bureaus do not hand it out to a page you built in a chat window.	No	No	Not possible on the web

What you give up

charges turning up on their own from your bank
somebody else sitting in the cancellation queue for you
bill negotiation and the refunds it wins
a credit score and net worth that update themselves

Why people still pay

Nobody is paying for a list of subscriptions, which is a spreadsheet. They are paying for the bank feed that spots the charge they had forgotten, and for a person willing to spend forty minutes on hold so they do not have to.

Or use one somebody already built

Free and open source. No prompt, no building, no subscription.

Wallos: A self-hosted subscription tracker with categories, currencies, upcoming renewals and reminders. Everything Rocket Money's list does, minus the bank feed. (web, linux)
Actual Budget: Open-source envelope budgeting you run yourself, with optional bank sync in some countries. The closest thing to a free version of the budgeting half. (web, windows, macos, linux, ios, android)
Rocket Money free tier: Worth saying plainly: seeing the subscriptions it finds is free. Premium mostly buys the cancelling, the negotiating and the extra budgets. (web, ios, android)

Other apps people are freeing

Questions

Can AI really replace Rocket Money?: 3 of its 6 core features, yes. The demo above is what one prompt produced. What it cannot do is on this page too.
What does Rocket Money cost?: Pricing varies by plan.
Is there a free alternative to Rocket Money?: Yes: Wallos, Actual Budget, Rocket Money free tier. They are listed below, and they are somebody else's finished work rather than yours.