Renewcheck and Rocket Money solve the same problem from opposite directions: one is source-available software you can own outright for $15, the other is a subscription at $6–12/mo (Premium) run entirely on someone else's servers.
Head to head
| 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 |
What Renewcheck does well
- 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.
What Rocket Money still does better
There's a real reason Rocket Money costs what it does: a bigger team, broader integrations and dedicated support behind it. If that ecosystem is genuinely what you need, it's worth paying for.
Which one should you pick
If your workflow depends on Rocket Money's specific integrations or you'd rather not run anything yourself, stay put — that's a legitimate call. If you're comfortable owning the tool and want to stop paying $6–12/mo (Premium) for a job your own hardware can do, Renewcheck pays for itself and then some: two months of Rocket Money Premium costs more than Renewcheck does, once, forever.
Try Renewcheck — $15, once
Manual subscription tracker with renewal reminders, spend totals and category breakdowns — your card numbers never touch a server.