Subby vs Rocket Money
Rocket Money links to your bank account and charges a monthly subscription to automate money management. Subby never touches your bank, is free to use, and PRO is a one-time purchase — you add subscriptions yourself, and Subby reminds you before every charge.
Facts verified August 12, 2026 · Re-checked quarterly
Side by side
| Subby | Rocket Money | |
|---|---|---|
| Price | Free with ads. PRO is a one-time purchase — one payment, yours forever. | Free tier at $0; Premium is listed at $7/month, with a $7–$14 range in the site’s own structured data — you choose the amount. rocketmoney.com verified Aug 12, 2026 |
| Bank login | Never. You add subscriptions yourself — screenshot import (PRO) or 600+ presets. | Required for automatic detection: linking runs through Plaid, its “trusted account connection partner”. rocketmoney.com/security verified Aug 12, 2026 |
| Account required | No account, no sign-up. | Yes — account creation is part of setup. rocketmoney.com verified Aug 12, 2026 |
| Where your data lives | On your device. Optional backups go to your own iCloud or Google Drive — there is no server-side copy of your list. | In your Rocket Money cloud account: “your data is hosted on Amazon Web Services (AWS)”, with some on Google Cloud Platform. rocketmoney.com/security verified Aug 12, 2026 |
| Cancelling services | Subby reminds you; you cancel with the provider. Our cancel guides walk every step. | Offers a cancellation service on paid plans — “Let us cancel your subscriptions for you.” rocketmoney.com verified Aug 12, 2026 |
| One-time purchase option | Yes — Subby PRO Lifetime. One payment. | No — Premium is a recurring monthly subscription. rocketmoney.com verified Aug 12, 2026 |
Rocket Money is a trademark of its owner, named here for factual comparison only. We state what each product publicly offers and nothing more; verdicts below are conditional on what you want.
Choose Rocket Money if…
you want bank-linked automation and a managed, full-budget view — and a monthly fee for a money app is fine by you.
Choose Subby if…
you want your bank kept out of it, a list you control yourself, reminders before every charge — and one payment instead of another subscription.
Moving from Rocket Money
- Open your recurring list in Rocket Money and screenshot it before you close the account.
- In Subby, add each one — from the 600+ presets, or point PRO’s screenshot import at the screenshots you just took.
- Set a lead time per subscription — same-day to a week ahead, or any custom lead time — and you’re done. No account to keep alive, nothing to re-link.
Every competitor fact above was read off Rocket Money’s own pages on the date shown in its cell.
The subscription manager that isn’t one.
Free to use. PRO is one payment — not another line on next month’s statement.
Free · No account · No bank login