Rocket Money costs $6–12/mo (Premium) — and unlike a tool you buy once, that bill never stops. Over three years that's roughly $288 for software doing a job your own hardware could just as easily do.
Where the subscription actually goes
$6–12/mo ($72–144/yr) is the sticker price. It compounds: cancel and you typically lose access to your own history, and most plans ratchet the price up as you add usage, seats or storage — the bill rarely stays flat for long.
Renewcheck: the pay-once alternative
Renewcheck does the same core job for $15, once. Manual subscription tracker with renewal reminders, spend totals and category breakdowns — your card numbers never touch a server.
| 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.
Is the subscription ever still worth it?
If you need Rocket Money's specific ecosystem, integrations or managed infrastructure and that's genuinely load-bearing for you, the subscription earns its keep — that's a real trade-off, not a trick. Renewcheck is for everyone else: people paying every month for a job that runs fine on hardware they already own.
Try Renewcheck — $15, once
Manual subscription tracker with renewal reminders, spend totals and category breakdowns — your card numbers never touch a server.