Quick answer
Yes — Renewcheck is a one-time-purchase alternative to Rocket Money. It costs $15 once, while Rocket Money runs $6–12/mo (Premium) — about $96 per year, every year. Manual subscription tracker with renewal reminders, spend totals and category breakdowns — your card numbers never touch a server. It is for people who want the job done on their own hardware without a renewal date — not for teams that live inside Rocket Money's ecosystem.
The verdict
Switch to Renewcheck if you are an individual or small team paying Rocket Money $6–12/mo (Premium) for work your own machine can do. Two months of Rocket Money Premium costs more than Renewcheck does, once, forever.
Stay with Rocket Money if your workflow depends on its integrations, you need enterprise features (SSO, admin controls, SLAs), or your team is large enough that per-seat collaboration tooling is worth the bill. Renewcheck does not try to replicate those.
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 |
| 5-year cost | $15 | $480 |
Where Rocket Money still wins
- Ecosystem and integrations. Established tools accumulate years of third-party integrations, templates and add-ons. If your workflow is wired into Rocket Money's ecosystem, switching means rebuilding that plumbing — a real cost.
- Team and enterprise features. Shared workspaces, granular permissions, SSO, audit logs and a vendor to call when something breaks — that is what the higher subscription tiers actually buy, and a pay-once app does not come with it.
- Familiarity and hiring. Rocket Money is the name people already know. Onboarding a team onto a tool nobody has used before takes time the subscription never charges for.
Where Renewcheck wins
- Price, permanently. $15 once versus $96/yr for as long as you use it. There is no renewal, no seat count and no tier gate.
- 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.
The math
Two months of Rocket Money Premium costs more than Renewcheck does, once, forever.
- After 1 year: Renewcheck has cost you $15 total — Rocket Money has cost $96.
- After 3 years: Renewcheck is still $15 — the subscription is at $288.
- After 5 years: Renewcheck is still $15 — the subscription is at $480.
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.
How do reminders work?
Native OS notifications a configurable number of days before each renewal date.
Try Renewcheck — $15, one time
Or get Renewcheck plus every other app in the suite: the OneTimeSuite bundle is currently $97, one time.