Finances vs Rocket Money

Updated 14 September 2026 · Rocket Money prices as advertised in September 2026

Rocket Money is a US mobile app known for finding and cancelling subscriptions and negotiating bills, with a free tier and a Premium plan. Finances is a Mac app that detects recurring charges locally and keeps every transaction on your computer.

Download Finances free 30-day trial. macOS. No sign-up.

Finances vs Rocket Money at a glance

Feature	Finances	Rocket Money
Platform	✓ Native macOS desktop app	✓ iOS, Android, web
Where your data lives	✓ On your Mac, in an encrypted SQLite database	✗ Rocket Money's cloud
Price	✓ One-time 1.x licence, or a monthly subscription	~ Free tier; Premium $7 to $14/month; Premium+ $15/month
Free trial	✓ 30 days, no sign-up	✓ 7-day Premium trial
Bank sync	✓ Australian banks via Redbark (CDR), Up Bank direct, US banks via Plaid, AMEX	✓ US via Plaid
File import	✓ CSV, OFX/QFX and JSON with auto-detected columns	✗ No
Views and charts	✓ List, bar, pie, Sankey, calendar, map, subscriptions	~ Spending, net worth
Subscription detection	✓ Automatic recurring-charge detection	✓ Detection plus cancellation service
Auto-categorisation	✓ Bundled merchant database, optional cloud categorisation	✓ Automatic
Custom rules	✓ Match on text, amount, date or merchant	✗ No
Encryption	✓ AES-256 at rest, Touch ID unlock, idle lock	~ Encrypted on their servers
Works offline	✓ Fully offline (sync and cloud categorisation are opt-in)	✗ Needs an internet connection
Multi-currency	✓ Original amount and currency preserved	✗ USD
Receipts and attachments	✓ Attach receipts and files to transactions	✗ No
Budgeting	✗ Not yet	✓ Category budgets (Premium)
Investments and net worth	✗ No	~ Net worth tracking
Mobile app	✗ No	✓ iOS and Android
Shared / household access	✗ Single user	✗ Single account
Data export	✓ CSV export; the database is a standard SQLite file	~ Limited
AI	✓ Open SQLite file your AI assistant can query	✗ No

✓ Yes ~ Partly or with caveats ✗ No

Where Rocket Money wins

A concierge team that cancels subscriptions and negotiates bills for you.
A free tier.
Mobile-first.

Where Finances wins

Your bank data never leaves your Mac.
Import statements from any bank in the world as CSV or OFX.
Deep analysis: Sankey, calendar, map, merchants, custom rules.
Works in Australia.

Which should you choose?

Choose Rocket Money if you mainly want help cancelling subscriptions and lowering bills in the US.

Choose Finances if you want a private, desktop-class tool for understanding your spending.

How Finances works

Finances is a native macOS app. Import CSV, OFX or JSON statements from any bank, or sync Australian accounts through Redbark (Consumer Data Right) and Up Bank directly. Transactions are categorised by a bundled merchant database and your own rules, then explored as a list, bar and pie charts, a Sankey diagram, a calendar, a map, or a subscriptions view. Everything is stored in an encrypted SQLite database on your computer, unlocked with Touch ID.

Frequently asked questions

Can Finances detect subscriptions like Rocket Money?

Yes. The Subscriptions view finds recurring charges automatically and shows all-time spend per subscription. Finances does not cancel them for you.

Does Rocket Money work in Australia?

No. Rocket Money connects to US banks. Finances syncs Australian accounts via the Consumer Data Right.

Try Finances free for 30 days

No account, no card. Your data stays on your Mac.

Download for macOS

Other comparisons

Rocket Money is a trademark of its respective owner and is not affiliated with The Finances App. Competitor details are based on public information as of September 2026 and may change; check the vendor's site for current pricing. Spotted a mistake? Let us know.