Disclosure: VaultFlow is ours. Rocket Money is not, and we have no deal with its makers. Both get the same four fields below, including their drawbacks.
Short answer
If you want an app to find and cancel subscriptions and negotiate your bills for you, that is Rocket Money’s speciality. If you want a free budget, bills and net worth app that never sees your bank login, pick VaultFlow.
Rocket Money links your accounts, then finds and cancels forgotten subscriptions, negotiates bills on your behalf, and tracks budgets, net worth and your credit score. Budgeting features start free; paid tiers add more, and Rowan, its AI assistant that works by text message, comes with Premium+.
VaultFlow doesn’t link to anything. You import your bank’s statement file, see your bills and what’s due, and keep everything on your iPhone — free.
Pick VaultFlow if
- You don’t want to link your bank accounts
- You don’t want an AI assistant reading your finances
- You want everything free, not just the basics
Pick Rocket Money if
- You want subscriptions found and cancelled for you
- You want someone to negotiate your bills
- You want your credit score in the same app
Side by side
| VaultFlow (ours) | Rocket Money | |
|---|---|---|
| Price | Free — no subscription | Free budgeting features; paid tiers for more |
| Account needed | None | A Rocket Money account |
| Getting transactions in | Import your bank’s statement file (CSV, OFX or QFX — duplicates skipped), describe your money in plain words, or add it yourself | Link your accounts once; it tracks them |
| Bills and subscriptions | Bills due this week and later, a reminder one to three days before; mark one paid and it comes off the right account | Finds and cancels subscriptions; negotiates bills for you |
| AI | None built in — optional ready-made prompts for your own AI assistant | Rowan, an AI assistant by text message (Premium+) |
| Net worth | Accounts, any number of credit cards, investments with live prices, your home, loans and goals | Net worth and credit score |
The two apps in detail
VaultFlow
Ours
- Best for
- People who want their whole net worth in one place without giving an app their bank login
- Highlights
- Assets, debts, property and investments in one net worth, with live prices for holdings
- Import the CSV, OFX or QFX statement your bank already gives you — duplicates skipped
- Or let ChatGPT, Claude or Gemini do the typing with ready-made prompts
- No bank login and no account; your data stays on your device and exports any time as a spreadsheet
- Pricing
- Free
- Watch out
- There is no automatic bank sync — to update, you import the statement file your bank lets you download (CSV, OFX or QFX) or add numbers yourself. It doesn’t sync between devices yet, needs iOS 26.2 or later, and runs on iPhone and iPad only.
Rocket Money
- Best for
- People who want subscriptions cancelled and bills lowered for them
- Highlights
- Finds and cancels forgotten subscriptions
- Bill negotiation on your behalf
- Budgets, net worth and credit score
- Pricing
- Free budgeting features; paid tiers for more
- Watch out
- Its best-known features work by linking your accounts, and the AI assistant is in the top tier.
The real difference: a service that acts for you, or a free private app
Rocket Money is a service: it watches your linked accounts and acts — cancelling, negotiating, texting you. That is useful if you trust it with the access.
VaultFlow only shows. Your bills, what’s due this week and where the money went, from a statement file you import, with nothing leaving your phone. You cancel things yourself.
Other options
Every app of this kind we have compared is in the best net worth tracker apps for iPhone.
Common questions
Is Rocket Money free?
Its budgeting features start free. Paid tiers add more, including the Rowan AI assistant in Premium+.
What is a free alternative to Rocket Money?
VaultFlow is free with no subscription and no bank login. It shows bills and subscriptions but doesn’t cancel them for you.
Can VaultFlow cancel my subscriptions?
No. It lists your bills and what’s due; you cancel a subscription yourself.
Is there a budget app that doesn’t link to my bank?
Yes — VaultFlow. Import the CSV, OFX or QFX statement your bank lets you download, or add numbers yourself.
App Store listings checked on 29 September 2026. Prices change — each entry describes how an app is paid for rather than a number that goes stale.
Published · No affiliate links
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