Cashy vs Rocket Money (2026): Beyond Subscription Cancelling
Subscription canceller turned budget app vs purpose-built private tracker.
Rocket Money (formerly Truebill) is best known for finding and cancelling forgotten subscriptions. Over the years it expanded into budgets, bill negotiation, and credit tracking. Cashy is purpose-built as a privacy-first AI budget tracker for iPhone — with subscription tracking included as one of many features, not the headline.
Both apps are useful. They optimize for different things, and the right pick depends on whether you want a single subscription-killer add-on or a full daily budgeting tool.
Feature-by-feature comparison
| Feature | Cashy | Rocket Money |
|---|---|---|
| Starting price | Free | Free + Premium ($6-$12/mo) |
| Lifetime option | $60 one-time | None |
| Subscription tracker | Built-in, no upsell | Best in class |
| Auto-cancel subscriptions | Manual | Yes, but takes a cut |
| Bill negotiation | No | Yes (40% of savings fee) |
| Bank linking | Not required | Required |
| Privacy | On-device, no analytics | Cloud-based, data sharing |
| Daily budgeting depth | Strong, multi-category | Light |
| AI voice entry | Yes — 3 seconds | No |
| Receipt scanning | Yes — Gemini AI | No |
| Multi-currency | 150+ currencies | USD-focused |
| iPhone widgets | 11 widgets | Limited |
| Available globally | Yes (150+ countries) | Mostly US |
The honest verdict
Rocket Money wins as a single-purpose subscription killer. If you only want to cancel forgotten charges and you are fine paying a percentage of the savings, it is excellent at that one job.
Cashy wins as your everyday budget app. It has subscription tracking too — without the percentage cut — plus everything else: voice entry, multi-currency, receipt scanning, and full privacy. For most people, Cashy replaces both Rocket Money and a separate budgeting app.
Anyone who wants daily budgeting + subscription tracking in one private app
US users who only want subscription cancellation help
Common questions
Is Cashy a Rocket Money alternative?
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Yes. Cashy includes built-in subscription tracking and warns you before recurring charges hit. The trade-off is that Cashy will not auto-cancel subscriptions for you (Rocket Money does, in exchange for a fee).
Does Cashy charge a percentage of my savings?
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No. Cashy is a flat-rate app — free, $30/year, or $60 lifetime. No percentage of savings, no surprise fees.
Which app is better for budgeting overall?
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Cashy. Rocket Money built its reputation on subscription cancellation. Its budgeting features are secondary. Cashy is purpose-built as a budgeting app from day one.
Can Cashy negotiate my bills?
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No. Bill negotiation is Rocket Money's differentiator. If lowering bills is your main need, use Rocket Money for that one thing. For daily budgeting, Cashy is faster and cheaper.
Is Cashy more private than Rocket Money?
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Yes, by design. All your financial data is stored on your iPhone — no bank linking required, no cloud aggregation, no data sharing.