Tuppence vs Rocket Money
Rocket Money links your accounts to find subscriptions, cancel them for you and negotiate your bills. Tuppence lists your recurring expenses too, but you enter them yourself and nothing is connected. If you want someone to act for you, it's Rocket Money; if you want to see and decide yourself, read on.
Data checked on October 20, 2026
Log a spend in three seconds and always see what's left: Tuppence — free, no account, no bank connection.
Side by side
| Tuppence | Rocket Money | |
|---|---|---|
| Price | Free; Tuppence+ $2.99 a week (3-day free trial) or $17.99 a year (7-day free trial) | Free; Premium in-app purchases listed from $2.99 to $9.99 |
| Bank linking | No, by design: you log spending yourself, no bank credentials | Yes: link your accounts once and the app tracks them |
| Subscriptions | Weekly, monthly or yearly, with the total committed per month (Tuppence+); when you import a CSV it suggests which charges repeat | Finds forgotten subscriptions and cancels them in the app |
| Bill negotiation | No | A concierge negotiates lower bills on your behalf |
| Budgets | One overall budget free; category and period budgets (day, week, month, year) with Tuppence+, with what's left as a big number | Monthly budget by category with alerts when you're close to the limit |
| Credit score and net worth | Not covered | Credit score monitoring and net worth |
| Ads | No ads | The listing is marked “Contains: Advertising” |
| Account and data | No account to create; data stays on your phone and in your iCloud | Linked accounts; details in its privacy policy |
| Entry by hand | Keypad, category, save: built to take three seconds without moving your thumb | Not stated in the listing |
| Where it runs | iPhone, iPad and Mac with Apple silicon (no Android or web) | iPhone and Macs with Apple silicon on the App Store listing |
Highlighted: the stronger app on that point, where the difference is clear.
Which one to choose
Choose Tuppence if
- You don't want an app with access to your bank accounts
- You'd rather cancel subscriptions yourself, once you see the monthly total
- You want an app with no ads and no sign-up
Choose Rocket Money if
- You want subscriptions found and cancelled for you
- You'd like someone to negotiate your bills
- You want your credit score and net worth in the same app
Frequently asked questions
Can I track subscriptions without linking my bank?
With Tuppence, yes: you add each recurring expense once (weekly, monthly or yearly) and see the total committed per month; this is part of Tuppence+. Rocket Money finds subscriptions by reading your linked accounts.
How much does Rocket Money cost?
It's free to download; the US App Store lists Premium in-app purchases from $2.99 to $9.99. Because the price list shows several amounts, check the price in the app before subscribing. Tuppence+ is $2.99 a week or $17.99 a year.
Does Tuppence cancel subscriptions for me?
No. Tuppence shows you what repeats and how much it costs per month; cancelling is up to you, with the service itself.
Read next
Prices, features and ratings come from each app's US App Store listing on October 20, 2026 and may change; Tuppence's come from the app itself. Listings: Tuppence, Rocket Money.
Rocket Money are trademarks of their respective owners. Tuppence is an independent project with no affiliation, sponsorship or endorsement from them. This page compares apps; it is not financial advice.