Software · head to head
Rocket Money vs Banktivity

Rocket Money
Software
Cancel subscriptions and save money automatically
- From
- Free
- Rated
- -
The short version
- Only Rocket Money has a free tier, so it costs nothing to try first.
- 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; Banktivity runs on macOS, iPhone and iPad only, with no Windows, Android or web version
- They diverge on capability: Rocket Money covers Subscription tracking, Banktivity covers Account tracking.
Where they differ
Only the attributes on which Rocket Money and Banktivity actually diverge.
| Attribute | Rocket Money | Banktivity |
|---|---|---|
| Starting price | Free | On request |
| Pricing model | freemium | subscription |
| Free tier | Yes | No |
| Platforms | Web, IOS, Android | Mac, IOS |
| Founded | 2016 | 2007 |
Identical on both: 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
- Credit cards
- Utility providers
- Web support
Only in Banktivity
- Account tracking
- Bill management
- Investment tracking
- Budget forecasting
- Investment accounts
- Mac support
Both cover
- Bank accounts
- 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 Banktivity
- Tracking bills and spending in one appnot Banktivity
- Having a third party negotiate down recurring billsnot Banktivity
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
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
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
Pricing, plan by plan
Rocket Money
Free- FreeFree
- Subscription tracking
- Spending insights
- Bill reminders
- Premium$12/month
- Bill negotiation
- Subscription cancellation
- Smart savings
Banktivity
On request- Monthly$4.99/month
- Full feature access
- Cloud sync
- Annual$39.99/month
- All monthly features
- Discounted rate
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.
Choose Banktivity if
- You need account tracking.
- You work on Mac, IOS.
- You also want bill management.
Questions people ask
- Is Rocket Money or Banktivity better?
- Neither clearly leads. Rocket Money starts at Free and Banktivity at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Rocket Money or Banktivity?
- Rocket Money has a free tier; the other does not. Paid plans start at Free for Rocket Money and On request for Banktivity.
- Does Rocket Money or Banktivity run on more platforms?
- Rocket Money runs on Web, IOS, Android. Banktivity runs on Mac, IOS.
- 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 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 Banktivity is typically brought in for.
- What can Rocket Money do that Banktivity cannot?
- Rocket Money covers Subscription tracking, Bill negotiation, Automatic savings, Spending insights. Banktivity covers Account tracking, Bill management, Investment tracking, Budget forecasting. Both handle Bank accounts, IOS support.
Related pages
More on Rocket Money
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