Rocket Money, formerly known as Truebill, launched in 2015 and became one of the most popular apps for finding and canceling unwanted subscriptions, with bill negotiation and basic budgeting on the side.
Why it’s worth considering a Rocket Money alternative
Rocket Money built its reputation on subscription detection and bill negotiation, not budgeting. On the free tier, you get only two custom budget categories. Unlimited budgets, Smart Savings automation, and subscription cancellation concierge all require Premium, which uses a "pay what you think is fair" model typically ranging from $7 to $14 per month.
Bill negotiation is billed separately too: Rocket Money takes 35–60% of the first year's savings, even though the negotiation service is available to free users. If you want a tool built for budgeting first, without sliding-scale fees and concierge upsells, Lunch Money is worth a look.
Meet Lunch Money
A budgeting app where every feature is included from day one. No tier gating, no bill-negotiation fees, no sliding-scale pricing. Just a beautiful interface, native multi-currency, and the tools serious budgeters actually need.
Rocket Money
⚡ Full budgeting included
Every Lunch Money subscription includes unlimited budget categories, flexible budgeting methods, and spending insights. No premium tier required.
Free users get only two custom budget categories. Unlimited budgets and advanced spending tools require Premium at $7–14/month.
⚡ Transparent pricing
Pay-what-you-want annually starting at $60/year, or $10/month. Straightforward pricing with no complicated tiers, sliding scales, or hidden fees.
Premium uses a "pay what you think is fair" model ($7–14/month). Bill negotiation charges 35–60% of first-year savings separately.
⚡ Native multicurrency
Spend in multiple currencies? Lunch Money's multicurrency engine is built in natively and works across accounts, budgets, transactions, and reports.
Rocket Money supports USD only. International accounts and spending are not handled natively.
⚡ No bill-negotiation fees
Lunch Money helps you understand where your money goes so you can make your own decisions. No concierge taking a cut of your savings.
Bill negotiation is a core Rocket Money feature, but it charges 35–60% of the first year's savings when negotiations succeed.
⚡ Public developer API
Build your own automations, dashboards, and integrations with our developer API.
No public developer API. You're limited to the features Rocket Money ships.
⚡ Unlimited budgets per subscription
Run a budget with your partner, a separate one for yourself, a third for your business, and a sandbox to experiment, all under one Lunch Money subscription.
One household view per account. Separate budgets require separate subscriptions.
⚡ File attachments
Quick add receipts to your transactions.
Rocket Money doesn't support file attachments on transactions.
⚡ Track your crypto portfolio
Connect your crypto wallet to Lunch Money and track balances in real-time in your primary currency of choice.
Rocket Money doesn't support tracking crypto tokens.
⚡ Price-lock guarantee
Your price is locked in for life. Whatever you sign up for today is what you'll pay 10 years from now.
Rocket Money's sliding-scale Premium pricing is subject to change, with no price-lock guarantee for existing subscribers.
Why users love Lunch Money
Lunch Money users value thoughtful design, transparent pricing, and support from a team that actually reads every message. Here's what they have to say.
It's simple, and it just works. Way easier to use than Mint or YNAB. Get up & going in a few minutes!
I love how Lunch Money allows me to see all my finances in one place, without worrying about having my data sold to the highest bidder.
Lunch Money is the first budgeting app I've ever used and stuck with, because it's so easy to use. I'm not using those other budgeting apps anymore!
