Subkept
Privacy-first
Rocket Money
Bank-linked subscription manager
Rocket Money is a bank-linked finance app with bill negotiation. Subkept is a manual tracker that never touches your bank. Pick by what you trust more: an algorithm that needs your accounts, or a list you keep yourself.
| Quick facts | Subkept | Rocket Money |
|---|---|---|
| Price | $5/mo or $35/yr | $6 to $12/mo + fees |
| Bank link | Never | Required |
| Bill negotiation | No | Yes (30 to 60% fee) |
| Free tier | 3 subs forever | Bank link required |
| Platforms | Web + PWA | iOS, Android, Web |
Pick Subkept if you want a private, predictable tracker. No bank link, flat $5/mo or $35/yr, you stay in control of the list.
Pick Rocket Money if you want an algorithm to find subscriptions for you and you want bill negotiation. You trade bank access for automation.
If you're trying to get a handle on what you're actually paying every month, you've probably run into two very different approaches. Rocket Money connects to your bank account, scans every transaction, and surfaces subscriptions you might have forgotten about. Subkept takes the opposite position: you type in your subscriptions yourself, the app never touches your bank, and pricing is completely flat.
That difference compounds across every other feature on this page. Rocket Money is a full financial app with budget tracking, net-worth views, and a team of human negotiators who call providers on your behalf. Subkept is a focused tracker that does one job well. Neither is objectively better — the right pick depends entirely on what you trust and what you actually need.
This comparison covers pricing, privacy, platform availability, and 16 specific features side by side. We have been honest about where each product wins and where it falls short.
We compared on price, privacy posture, bill negotiation, household sharing, platform reach, and how fresh each fact is, not on marketing claims.
Subkept is a privacy-first subscription tracker. You enter subscriptions yourself, the app never connects to your bank, and pricing is flat: $5 per month or $35 per year, with a free tier for up to 3 subscriptions. Same UX on web, iOS, and Android.
Rocket Money (formerly Truebill) is a bank-linked finance app from Rocket Companies. It auto-detects subscriptions through Plaid, offers human-led bill negotiation for a percentage cut, and bundles a budget tool. Premium uses a sliding $6 to $12 per month scale plus a 30 to 60 percent fee on negotiated savings.
Every row reflects the feature's status on each product's current public release.
| Feature | Subkept | R Rocket Money |
|---|---|---|
| Bank connection required | No | Yes |
| Manual entry | Yes | No |
| Subscription tracking | Yes | Yes |
| Renewal reminders | Yes | Yes |
| Price-hike alerts | Yes | No |
| Trial countdown | Yes | No |
| Calendar view | Yes | No |
| Worth-It scoring | Yes | No |
| Bill negotiation | No | Yes |
| Cancellation service | No | paid |
| Multi-currency | Yes | No |
| Household sharing | Yes | paid |
| Data export | Yes | limited |
| Free tier (no time limit) | Yes | bank link |
| Dark mode | Yes | Yes |
| Works offline / PWA | Yes | No |
Swipe to see all columns →
Things neither product's marketing page will tell you upfront.
Rocket Money finds subscriptions you forgot. Subkept makes you list them yourself. If you have ten cards and no idea what is hitting them, manual entry is real work.
Rocket Money negotiates bills. Subkept does not. If your goal is a lower Comcast bill, Subkept will not get you there.
Rocket Money has a real budgeting layer. Subkept is narrow on purpose and does not try to be your full finance app.
1Do you mind linking your bank?
2Do you want bill negotiation on Comcast, Verizon, etc.?
3Do you want one flat predictable price?
Is Subkept a Rocket Money alternative?
Yes. Subkept is the privacy-first alternative to Rocket Money: same subscription tracking, no bank link, flat $5 per month or $35 per year.
What is the difference between Subkept and Rocket Money?
Subkept is manual and never connects to your bank. Rocket Money is bank-linked, auto-detects subscriptions, and negotiates bills for a 30 to 60 percent cut of savings.
Which is cheaper, Subkept or Rocket Money?
Subkept is cheaper and predictable at $5 per month or $35 per year. Rocket Money Premium ranges $6 to $12 per month plus a percentage fee on negotiated bill savings.
Does Subkept negotiate bills like Rocket Money?
No. Subkept is a pure tracker. Rocket Money negotiates bills with phone, cable, and internet providers and keeps 30 to 60 percent of the first year of savings.
Is Rocket Money safe to link to my bank?
Rocket Money uses Plaid, which is industry-standard. The risk is access scope, not breach risk: every transaction in linked accounts becomes visible to Rocket Money. Subkept avoids the question by not linking at all.
Start free. Up to 3 subscriptions, no bank link, no time limit. Upgrade to Pro when you need more.