Verdict
Winner: Rocket Money
For users who want automated subscription cancellation, bill negotiation, and credit monitoring
Rocket Money is better for users who want automated savings through subscription cancellation, bill negotiation, and credit score monitoring. Simplifi is better for users who want straightforward budget tracking at the lowest price. Both are budget-friendly — choose based on whether you value savings automation or simplicity.
7-day free trial · No credit card required
TL;DR
Winner: Rocket Money
Best for: Users who want automated subscription cancellation, bill negotiation, and credit monitoring
$12/yr more (Rocket Money $59.88 vs Simplifi $47.88)
Rocket Money vs Simplifi (2026): Which Is Better?
Published Jan 15, 2026 · 8 min read
Pricing verified Feb 23, 2026We compared Rocket Money and Simplifi by Quicken on pricing, features, and savings potential. Rocket Money wins for subscription management — here's why, and when Simplifi's lower price is the better deal.
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Feature-by-feature
| Features |
Winner
Rocket Money
$4.99/mo
| $3.99/mo |
|---|---|---|
| Monthly Price | $6.99/mo | $5.99/mo |
| Annual Price | $59.88/yr | $47.88/yr |
| Free Trial | 7 days | 30 days |
| Prices checked Feb 23, 2026 | ||
| 4.5/5 (34,200 reviews) | 4.4/5 (8,900 reviews) | |
| Bank Syncing | ||
| Investment Tracking | ||
| Net Worth Dashboard | ||
| Bill Tracking | ||
| Shared Household Access | ||
| Custom Categories | ||
| Recurring Transactions | ||
| Goal Tracking | ||
| Credit Score Monitoring | ||
| Subscription Tracking | ||
| Zero-Based Budgeting | ||
| Envelope Budgeting | ||
| CSV Import | ||
| Mobile App | ||
| Web App | ||
| Reports & Charts | ||
| Custom Rules | ||
| Crypto Tracking | ||
| Learning Center | ||
| Negotiation Service | ||
| Get Started with Rocket Money 7-day free trial · No credit card required | ||
Rocket Money
$4.99/mo billed annually
- Bank Syncing
- Investment Tracking
- Net Worth Dashboard
- Bill Tracking
- Shared Household Access
- Custom Categories
- Recurring Transactions
- Goal Tracking
- Credit Score Monitoring
- Subscription Tracking
- Zero-Based Budgeting
- Envelope Budgeting
- CSV Import
- Mobile App
- Web App
- Reports & Charts
- Custom Rules
- Crypto Tracking
- Learning Center
- Negotiation Service
Simplifi by Quicken
$3.99/mo billed annually
- Bank Syncing
- Investment Tracking
- Net Worth Dashboard
- Bill Tracking
- Shared Household Access
- Custom Categories
- Recurring Transactions
- Goal Tracking
- Credit Score Monitoring
- Subscription Tracking
- Zero-Based Budgeting
- Envelope Budgeting
- CSV Import
- Mobile App
- Web App
- Reports & Charts
- Custom Rules
- Crypto Tracking
- Learning Center
- Negotiation Service
Pricing breakdown
How much does each app really cost?
Rocket Money
7-day free trial · No credit card required
Simplifi by Quicken
Best fit
Who should choose Rocket Money
- Subscription-heavy users who pay for services they've forgotten about and want automated cancellation
- Bill negotiation seekers who want someone else to call their cable, phone, and insurance companies
- Credit-score watchers who want free monitoring integrated into their spending dashboard
Who should choose Simplifi by Quicken
- Simple budgeters who want clean spending tracking, savings goals, and category reports at the lowest price
- Long-trial seekers who want 30 days to evaluate before committing — Rocket Money only offers 7 days
- Quicken loyalists who trust the company behind 40+ years of personal finance software
Switching from Mint?
Rocket Money
Rocket Money does not support CSV import. It connects via Plaid and starts tracking from your connection date.
Simplifi by Quicken
Simplifi does not support CSV import. It syncs via Plaid from your connection date. Historical data won't transfer.
The bottom line
Our final recommendation
Rocket Money is better for users who want automated savings through subscription cancellation, bill negotiation, and credit score monitoring. Simplifi is better for users who want straightforward budget tracking at the lowest price. Both are budget-friendly — choose based on whether you value savings automation or simplicity.
7-day free trial · No credit card required
Frequently Asked Questions
Is Rocket Money better than Simplifi?
For automated savings, yes. Rocket Money cancels unused subscriptions, negotiates lower bills, and monitors your credit score. Simplifi is a cleaner budgeting tool with better reports and a lower price, but it doesn't automate savings for you.
How much does Rocket Money cost compared to Simplifi?
Rocket Money costs $6.99/mo or $59.88/yr ($4.99/mo billed annually). Simplifi costs $5.99/mo or $47.88/yr ($3.99/mo billed annually). Simplifi is $12/yr cheaper on annual plans.
Does Simplifi cancel subscriptions?
No. Simplifi tracks recurring expenses but cannot cancel subscriptions on your behalf. Rocket Money identifies unused subscriptions and can cancel them with one tap.
Does Simplifi negotiate bills?
No. Simplifi is a budgeting and spending tracker only. Rocket Money's negotiation service contacts your cable, phone, and insurance providers to lower your rates, charging a percentage of the savings.
Which app has better budgeting tools?
Simplifi has more robust budgeting features including spending plans, savings goals, and detailed category-level reports. Rocket Money's budgeting tools are more basic — its strength is in savings automation, not budget management.
Does either app track investments?
Simplifi includes basic investment account tracking and net worth calculations. Rocket Money does not track investments — it focuses on spending, subscriptions, and bill management.
Which app has a better free trial?
Simplifi offers a 30-day free trial. Rocket Money offers a 7-day free trial. Simplifi gives you significantly more time to evaluate the full feature set.
Does Rocket Money include credit score monitoring?
Yes. Rocket Money includes free credit score monitoring as part of the subscription. Simplifi does not offer credit score tracking.
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