Rocket Money charges $6–12/month and requires linking your bank account through Plaid to track subscriptions it could just as easily let you enter by hand. Renewcheck does the tracking, reminders and spend reporting without ever asking for banking credentials — you add subscriptions yourself, and everything stays on your machine, for $15 once.
If you've searched for a Rocket Money alternative, Renewcheck is the pay-once option worth putting at the top of the list: Renewcheck is $15, one time, and covers the same core job Rocket Money charges $6–12/mo (Premium) for.
What makes Renewcheck the pick for 2026
- Add subscriptions manually — No bank link, no Plaid, no OAuth to a financial account — just name, price and renewal date.
- Renewal countdown & reminders — Native OS notifications before a charge hits, with enough lead time to actually cancel.
- Spend totals — Monthly and yearly totals calculated automatically as you add subscriptions.
- Category breakdown — See spend by category — streaming, software, fitness, whatever you define.
- Price-change history — Log a price bump when it happens and see the trend per subscription over time.
Renewcheck vs Rocket Money, at a glance
| Renewcheck | Rocket Money | |
|---|---|---|
| Price | $15 once | $6–12/mo ($72–144/yr) |
| Cost over 3 years | $15 | $216–432 |
| Bank account linking required | No — manual entry | Yes, via Plaid |
| Renewal reminders | Included | Included |
| Category breakdown | Included | Included |
| Cancel-for-you concierge | Not offered | Offered (extra fee) |
| Where your data lives | Your machine | Their cloud, tied to your bank |
| Source code | MIT, on GitHub | Closed |
Two months of Rocket Money Premium costs more than Renewcheck does, once, forever.
Common questions
Is it really free on GitHub?
Yes — MIT source at github.com/bensblueprints/renewcheck-mvp. The $15 buys the packaged installer and updates.
Why manual entry instead of bank sync?
Because bank sync means handing a third party read access to your entire transaction history to solve a problem that's really just "remember these dates." If auto-detection from real transactions matters more to you than privacy, Rocket Money is the better fit.
Does it cancel subscriptions for me?
No — Renewcheck tracks and reminds; it doesn't call vendors on your behalf like Rocket Money's paid concierge service does.
The bottom line
Renewcheck won't out-feature Rocket Money on every axis — no subscription tool with a bigger team and a bigger roadmap loses on everything. But for the core job, $15 once against $6–12/mo (Premium) forever is a trade most people should at least look at. Renewcheck is part of OneTimeSuite, a catalog of pay-once apps that replace subscription SaaS.
Try Renewcheck — $15, once
Manual subscription tracker with renewal reminders, spend totals and category breakdowns — your card numbers never touch a server.