Bills AI vs Rocket Money
Same Subscriptions Found. No Bank Login.
Rocket Money (formerly Truebill) needs your bank credentials via Plaid to find forgotten subscriptions. Bills AI does the same thing from a PDF statement — 30 seconds, no passwords, no aggregator middleman.
Why People Switch from Rocket Money to Bills AI
No Plaid, No Risk
Plaid breaches and credential leaks happen. With Bills AI, your bank login never leaves your bank — we only see the PDF you choose to upload.
No Savings Cut
Rocket Money takes 35-60% of any bill they negotiate down. Bills AI shows you what to cancel and you keep 100% of the savings.
Works Outside the US
Rocket Money only supports US banks via Plaid. Bills AI reads any statement from any bank worldwide — VCB, Techcombank, Kakao Bank, your local credit union.
Feature-by-Feature Comparison
| Feature | Bills AI | Rocket Money |
|---|---|---|
Find forgotten subscriptions Both detect recurring charges from your transactions | ||
Works without bank linking Rocket Money requires Plaid + your bank credentials. Bills AI reads a PDF. | ||
Bank credentials never required No oauth scope, no MFA token, no third-party aggregator | ||
Works for ANY bank worldwide Rocket Money: US-only, Plaid-supported banks only. Bills AI: any PDF. | ||
AI-powered transaction insights GPT-4 / Claude analysis vs Rocket's rule-based matching | ||
One-time analysis (no monthly sync) Pay only for the months you actually use | ||
Bill negotiation service Rocket takes 35-60% of savings — Bills AI doesn't offer this | ||
Predictable pricing Rocket: 'pay what you think is fair' $6-12/mo + savings cut. Bills AI: flat $5 or $12. | ||
Free plan with real value Bills AI free: 1 full statement scan. Rocket free: basic view only | ||
Cancel anytime, no dark patterns Rocket Money is widely criticized for hard-to-cancel signup flow |
Pricing Comparison
Bills AI
- Predictable flat fee — no savings cut
- You keep 100% of subscriptions you cancel
- Cancel anytime, no friction
- Free: 1 full statement scan/month
Rocket Money
- Takes a cut of every dollar you save
- Requires Plaid + bank credentials
- US banks only
- Free tier is essentially unusable
Frequently Asked Questions
Does Bills AI cancel subscriptions for me like Rocket Money?
No — Bills AI shows you exactly which subscriptions are draining your account and links to one-click cancellation guides for the biggest ones (Netflix, Spotify, gym chains, etc.). You stay in control and keep 100% of the savings. Rocket Money cancels for you but charges a fee.
Why is "no bank linking" safer than Rocket Money?
Rocket Money uses Plaid, which means your bank credentials are stored at a third party and your account can be read continuously. If Plaid is breached (it has been), your data is exposed. Bills AI only sees the PDF you upload — nothing more, nothing automatic.
Is Bills AI cheaper than Rocket Money in practice?
Yes for most users. Rocket Money's $6/mo "pay what you want" tier has reduced features, $12/mo is more typical, and they take 35-60% of any bill they negotiate. Bills AI: flat $5 Starter or $12 Pro, no negotiation fees, ever.
Will Bills AI find recurring charges as well as Rocket Money?
Yes. Both tools detect recurring charges by pattern-matching transactions. Bills AI uses GPT-4 / Claude, which catches subtle variations (different amounts, near-duplicate merchant names, annual renewals) that rule-based detectors miss.
I'm outside the US — can I still use Bills AI?
Yes. Rocket Money is US-only. Bills AI works with any bank statement in any language — Vietnam (VCB, Techcombank, BIDV), Korea (KB, Shinhan, Toss), Europe, anywhere with a PDF.
Real People, Real Money Recovered
Switching to Bills AI from another finance app — here's what users found.
“I was hemorrhaging $137/month on 7 subscriptions I completely forgot about. Canceled 5 of them in 10 minutes. Bills AI paid for itself instantly.”
“Categorization is scary accurate. What used to take me 3 hours every month now takes 30 seconds. Found $77 in bank fees I could've avoided.”
“Finally, a finance app that isn't sketchy. Bank-level encryption, zero data sharing. Saved $176 in the first month by cutting unnecessary SaaS tools.”
Find Your Forgotten Subscriptions — Without the Bank Login
Upload one statement. See every recurring charge, every hidden fee, every category. Keep 100% of what you save.
No credit card required • 1 free scan • Cancel anytime