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Rocket Money vs Apple Pay

Rocket Money logo

Rocket Money

Software

Cancel subscriptions and save money automatically

From
Free
Rated
-
Full reviewWebsite
Apple Pay logo

Apple Pay

Software

The easier way to pay and send money

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Rocket Money successful bill negotiation costs a one time fee of 35% to 60% of the first year's savings; Apple Pay apple Pay works only in countries and regions that support contactless payments and is not available in all markets
  • They diverge on capability: Rocket Money covers Subscription tracking, Apple Pay covers Digital wallet.

Where they differ

Only the attributes on which Rocket Money and Apple Pay actually diverge.

Attributes where Rocket Money and Apple Pay differ
AttributeRocket MoneyApple Pay
Pricing modelfreemiumfree
PlatformsWeb, IOS, AndroidIOS, WatchOS, MacOS
Founded20162014

Identical on both: starting price (Free), free tier (Yes), user rating (Not yet rated), category (Unknown).

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 Rocket Money

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

Only in Apple Pay

  • Digital wallet
  • Secure payments
  • Contactless transactions
  • P2P money transfers
  • Debit cards
  • WatchOS support
  • MacOS support

Both cover

  • Bank accounts
  • Credit cards
  • IOS support

What people use each for

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

Rocket Money

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

Apple Pay

  • Contactless in store payment from iPhone and Apple Watchnot Rocket Money
  • Paying in apps and on the web without entering card detailsnot Rocket Money
  • Sending money between Apple users with Apple Cash and Tap to Cashnot Rocket Money

Where each one falls short

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

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

Apple Pay

  • Apple Pay works only in countries and regions that support contactless payments and is not available in all markets
  • Apple Cash is available only in the 50 United States, the District of Columbia and Puerto Rico
  • Apple Cash Family accounts and Tap to Cash transactions are each capped at 2000 USD within a rolling seven day period
  • Mac support requires a Touch ID equipped model
  • A card works only if the issuing bank supports Apple Pay, and banks may charge their own overseas usage fees

Pricing, plan by plan

Rocket Money

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

Apple Pay

Free
  • FreeFree
    • Secure payments
    • P2P transfers
    • Transit passes

Which should you pick?

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

Choose Apple Pay if

  • You need digital wallet.
  • You want to start without paying.
  • You work on IOS, WatchOS, MacOS.
  • You also want secure payments.
Apple Pay review

Questions people ask

Is Rocket Money or Apple Pay better?
Neither clearly leads. Rocket Money starts at Free and Apple Pay at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Rocket Money or Apple Pay?
Rocket Money starts at Free and Apple Pay at Free.
Does Rocket Money or Apple Pay run on more platforms?
Rocket Money runs on Web, IOS, Android. Apple Pay runs on IOS, WatchOS, MacOS.
Can I use Rocket Money for free?
Both have a free tier, so you can try either at no cost before committing.
What is Rocket Money best used for?
Rocket Money is most often used for finding and cancelling unwanted subscriptions, tracking bills and spending in one app, having a third party negotiate down recurring bills. Of those, finding and cancelling unwanted subscriptions and tracking bills and spending in one app are not what Apple Pay is typically brought in for.
What can Rocket Money do that Apple Pay cannot?
Rocket Money covers Subscription tracking, Bill negotiation, Automatic savings, Spending insights. Apple Pay covers Digital wallet, Secure payments, Contactless transactions, P2P money transfers. Both handle Bank accounts, Credit cards, IOS support.
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