Subby vs Rocket Money
Rocket Money links to your bank account and charges a monthly subscription to automate money management. Subby never touches your bank, is free to use, and PRO is a one-time purchase. You add each subscription yourself, and Subby reminds you before every charge.
Facts verified August 12 and October 15, 2026 · Re-checked quarterly
Subby vs Rocket Money, side by side
| Subby | Rocket Money | |
|---|---|---|
| Price | Free with ads. Subby PRO is one payment. | Free tier at $0. Premium is listed at $7/month, with a $7 to $14 range in the site’s own structured data. You choose the amount. rocketmoney.com verified Aug 12, 2026 |
| Bank login | Never. You add your subscriptions yourself, from 600+ presets or a screenshot PRO reads for you. | Required for automatic detection. Linking runs through Plaid, its “trusted account connection partner”. rocketmoney.com/security verified Aug 12, 2026 |
| Account required | No account, no sign-up. | Yes. Account creation is part of setup. rocketmoney.com verified Aug 12, 2026 |
| Where your data lives | On your device. Optional backups go to your own iCloud or Google Drive, and we keep no server-side copy of your list. | In your Rocket Money cloud account: “your data is hosted on Amazon Web Services (AWS)”, with some on Google Cloud Platform. rocketmoney.com/security verified Aug 12, 2026 |
| Cancelling services | Subby reminds you, then you cancel with the provider. Our cancel guides walk every step. | Offers a cancellation service on paid plans: “Let us cancel your subscriptions for you.” rocketmoney.com verified Aug 12, 2026 |
| One-time purchase option | Yes. The unlock is called Subby PRO Lifetime. | No. Premium is a recurring monthly subscription. rocketmoney.com verified Aug 12, 2026 |
| Insights | Free for everyone, from the list you keep: what you commit each month, twelve months of real spending, price creep per service, the year ahead, lifetime spend per service and what cancelling has saved you. | Spend tracking on the free plan, built from your linked accounts: “see and understand your spending trends”. rocketmoney.com verified Oct 15, 2026 |
| Free trials | A trial carries its end date and the price it becomes. It stays out of your total until it converts, and a reminder arrives before the first charge. | The homepage does not mention free trials. rocketmoney.com verified Oct 15, 2026 |
| Payday and budget | Set the day you get paid and a monthly budget. Home shows what is still to come this pay period, and Insights shows what renews before the money lands. | Category budgets and net income tracking on the free plan, and unlimited custom budgets on Premium, per the site’s structured data. It mentions no payday setting. rocketmoney.com verified Oct 15, 2026 |
| Large screens | Built for iPhone Duo. Open it and Home and Insights spread across both panels; close it and the outer panel shows a compact Home. There is no iPad or Android tablet layout. | Apps for iOS and Android, and web access, which the structured data lists under Premium. The site names no iPhone Duo layout. rocketmoney.com verified Oct 15, 2026 |
Rocket Money is a trademark of its owner, named here for factual comparison only. We state what each product publicly offers and nothing more. Subby is a Rocket Money alternative for one part of the job. It holds the list and reminds you before the charge lands, and it never sees your bank account. We make the case for paying once instead of monthly on its own page. If two apps are not enough, Rocket Money also sits in our roundup of fourteen trackers.
Choose Rocket Money if…
you want bank-linked automation and a managed, full-budget view. A monthly fee for a money app is fine by you. If you cannot name what is charging you, Rocket Money will find it and Subby will not.
Choose Subby if…
you want no bank connection at all, and a reminder before each renewal is all the automation you need. Manual entry means Subby only knows what you tell it.
Moving from Rocket Money
- Open your recurring list in Rocket Money and screenshot it before you close the account.
- In Subby, add each one from the 600+ presets, or point PRO’s screenshot import at the ones you just took.
- Pick when each reminder arrives, from same-day to a week ahead, or any custom lead time. Once the list is in, there is nothing to sign in to and no bank connection to re-link.
We read every competitor fact above off Rocket Money’s own pages on the date shown in its cell.
Keep your bank out of it
Free to use, and PRO is one payment. Nothing recurring lands on next month's statement.
Free · No account · No bank login