The OpenBudget alternative to Rocket Money
Rocket Money finds and cancels subscriptions. OpenBudget gives your AI assistant and spreadsheets full read access to your transactions, so you can ask anything.
OpenBudget vs Rocket Money, at a glance
Rocket Money is built to cancel things for you. OpenBudget is built to hand your data to the tools you already use.
When Rocket Money is the better pick
- You mainly want something to find and cancel forgotten subscriptions for you.
- You want hands-off bill negotiation, and Rocket takes a cut of what it saves.
- You want a genuinely free tier and are not ready to pay.
When OpenBudget is the better pick
- You want to ask an AI about all your spending, not just kill subscriptions.
- You want your transactions in Google Sheets or Excel without a Premium upsell.
- You want your own data, synced automatically and owned by you.
Built around what your AI can do.
Say it once, it's a rule.
Tell your assistant the right category once. New transactions get it automatically.
Split a charge by what's in it.
Your assistant reads what's in an order and splits the charge into separate parts.
Know exactly what you owe.
Every card and loan in one place, so your assistant can tell you where you stand.
What it costs
$5/mo billed annually ($60/yr), or $9.95 monthly. 7-day free trial. One plan, everything included.
Free tier available. Premium is a pay-what-you-think-is-fair slider, roughly $7 to $14/mo, lower on annual billing. Bill negotiation costs 35 to 60% of the first year's savings.
Questions, answered.
- Does Rocket Money cancel subscriptions, and does OpenBudget?
- Rocket Money will cancel subscriptions for you and negotiate bills. OpenBudget shows you every recurring charge and your AI can flag the ones to drop, but you cancel them yourself.
- Can I export my data?
- OpenBudget auto-syncs your transactions into Google Sheets or Excel, on every plan. Rocket Money's export is a Premium-only feature.
- Is there a free version?
- Rocket Money has a genuinely free tier. OpenBudget has a 7-day free trial, then $5/month billed annually or $9.95 month-to-month.
- Can AI read my transactions?
- Yes. OpenBudget runs an MCP server, so Claude, ChatGPT, or any MCP client can read your transactions and answer questions. Rocket Money has no AI assistant.
- Is my bank data safe?
- Bank connections run through Plaid, read-only. OpenBudget never stores your credentials and cannot move money.