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Personal Finance · head to head

Banktivity vs Rocket Money

Banktivity logo

Banktivity

Personal Finance

Personal finance for Mac and iOS

From
On request
Rated
-
Full reviewWebsite
Rocket Money logo

Rocket Money

Personal Finance

Cancel subscriptions and save money automatically

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Rocket Money has a free tier, so it costs nothing to try first.
  • Each has a real cost: Banktivity runs on macOS, iPhone and iPad only, with no Windows, Android or web version; Rocket Money successful bill negotiation costs a one time fee of 35% to 60% of the first year's savings
  • They diverge on capability: Banktivity covers Account tracking, Rocket Money covers Subscription tracking.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Banktivity and Rocket Money actually diverge.

Attributes where Banktivity and Rocket Money differ
AttributeBanktivityRocket Money
Starting priceOn requestFree
Pricing modelsubscriptionfreemium
Free tierNoYes
PlatformsMac, IOSWeb, IOS, Android
Founded20072016

Identical on both: user rating (Not yet rated), category (Personal Finance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Banktivity

  • Account tracking
  • Bill management
  • Investment tracking
  • Budget forecasting
  • Investment accounts
  • Mac support

Only in Rocket Money

  • Subscription tracking
  • Bill negotiation
  • Automatic savings
  • Spending insights
  • Credit score monitoring
  • Credit cards
  • Utility providers
  • Web support

Both cover

  • Bank accounts
  • IOS support

What people use each for

The jobs each tool is most often brought in to do.

Banktivity

  • Personal budgeting and money management on a Macnot Rocket Money
  • Investment and net worth trackingnot Rocket Money
  • Retirement planning projectionsnot Rocket Money
  • Connecting to over 14,000 financial institutionsnot Rocket Money

Rocket Money

  • Finding and cancelling unwanted subscriptionsnot Banktivity
  • Tracking bills and spending in one appnot Banktivity
  • Having a third party negotiate down recurring billsnot Banktivity

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Banktivity

  • Runs on macOS, iPhone and iPad only, with no Windows, Android or web version
  • Pricing is not shown on the product page and sits behind a separate plans page

Rocket Money

  • Successful bill negotiation costs a one time fee of 35% to 60% of the first year's savings
  • Premium is priced on a sliding scale and the help centre publishes no fixed monthly or annual amount, stating rates vary across platforms
  • Custom budget categories, financial goal plans, credit score tracking and real time account syncing are Premium only
  • The Premium free trial is 7 days

Pricing, plan by plan

Banktivity

On request
  • Monthly$4.99/month
    • Full feature access
    • Cloud sync
  • Annual$39.99/month
    • All monthly features
    • Discounted rate

Rocket Money

Free
  • FreeFree
    • Subscription tracking
    • Spending insights
    • Bill reminders
  • Premium$12/month
    • Bill negotiation
    • Subscription cancellation
    • Smart savings

Which should you pick?

Choose Banktivity if

  • You need account tracking.
  • You work on Mac, IOS.
  • You also want bill management.
Banktivity review

Choose Rocket Money if

  • You need subscription tracking.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want bill negotiation.
Rocket Money review

Questions people ask

Is Banktivity or Rocket Money better?
Neither clearly leads. Banktivity starts at On request and Rocket Money at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Banktivity or Rocket Money?
Rocket Money has a free tier; the other does not. Paid plans start at On request for Banktivity and Free for Rocket Money.
Does Banktivity or Rocket Money run on more platforms?
Banktivity runs on Mac, IOS. Rocket Money runs on Web, IOS, Android.
Can I use Rocket Money for free?
Yes. Rocket Money has a free tier, so you can try it without paying. Banktivity starts at On request.
What is Banktivity best used for?
Banktivity is most often used for personal budgeting and money management on a mac, investment and net worth tracking, retirement planning projections, connecting to over 14,000 financial institutions. Of those, personal budgeting and money management on a mac and investment and net worth tracking are not what Rocket Money is typically brought in for.
What can Banktivity do that Rocket Money cannot?
Banktivity covers Account tracking, Bill management, Investment tracking, Budget forecasting. Rocket Money covers Subscription tracking, Bill negotiation, Automatic savings, Spending insights. Both handle Bank accounts, IOS support.

Answered from the vendors’ own pages

Banktivity: Does Banktivity offer a free trial?

Yes. Banktivity offers a 30-day free trial at any subscription level with no credit card required. This allows you to test the platform before committing.

Source
Rocket Money: Does Rocket Money charge for its basic features?

No. The free tier includes account linking, balance alerts, subscription management, and spend tracking across linked accounts.

Source
Banktivity: What devices does Banktivity support?

Banktivity is available on Mac, iPhone, and iPad with cross-device sync. Data is encrypted end-to-end across all devices.

Source
Rocket Money: What additional features does the premium tier offer?

The premium plan adds subscription cancellation assistance, an automated savings plan, net worth tracking, shared accounts, unlimited budgets, and human support for subscription cancellation and bill negotiation.

Source
Banktivity: How many banks does Banktivity connect to?

Banktivity connects to 14,000+ banks, allowing direct connections to most major financial institutions.

Source
Rocket Money: What does Rocket Money charge for premium features?

The specific dollar amount and billing cycle for the premium tier are not disclosed on the homepage. Pricing details appear only when signing up in the app.

Source
Banktivity: What financial planning tools does Banktivity include?

Banktivity includes budgeting, financial reporting, investment portfolio tracking, retirement planning tools, and net worth tracking across all your accounts.

Source
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