Money Tree
A Rocket Money alternative: Money Tree
Rocket Money is built to cut recurring costs. If you want help deciding what you can spend today and building a saving habit, Money Tree takes a different angle.
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Why people look for a Rocket Money alternative
- Its standout features, cancelling subscriptions and bill negotiation, are on paid plans.
- It works only with US-based banks.
What Money Tree offers instead
- Safe to Spend gives you one number for what you can spend today, after upcoming bills and budgets.
- Subscriptions and bills are detected for you, with a reminder before each is due. Money Tree does not cancel them for you.
- Savings goals and a pay-period planner, with a 30-day cash-flow forecast on Plus.
- Daily streaks, XP, coins and private leaderboards with friends make checking in a habit.
When to stay with Rocket Money
Choose Rocket Money if your main goal is cutting subscriptions and negotiating bills, and you bank in the US.
- Finds subscriptions and, on Premium, can cancel them for you.
- A bill negotiation service that can lower some bills.
- Credit score tracking on Premium.
- A usable free plan.
Rocket Money and Money Tree in brief
| Feature | Money Tree | Rocket Money |
|---|---|---|
| Price | A 7-day trial, then Plus as a monthly or yearly subscription; the store shows the price in your currency. | Premium is pay what you choose, about USD 7 to 14 a month, and the price varies by platform. Premium+ is USD 15 a month. Bill negotiation charges 35 to 60 percent of the first year's savings when it succeeds, with no fee on Premium+. |
| Plans and trial | No. Every account starts with a 7-day trial of everything, then Plus is a subscription. | Yes. The free plan covers subscription tracking, budgeting and bill reminders. Premium has a 7-day free trial. |
| Bank connections | Automatic, read-only sync through secure bank data providers. Connect as many banks as you like. | Automatic bank linking through Plaid. |
| Platforms | iPhone, Mac and Android, from the App Store and Google Play. | iOS, Android and web. Web access is a Premium feature. |
| Budgeting style | Safe to Spend for today, category budgets with suggested limits, savings goals and a pay-period planner. | A spending tracker with category budgets. The free plan allows two custom category budgets; more need Premium. |
| Where it works | Wherever its bank data providers cover your bank. The app shows the regions it supports when you connect. | The US, with US-based banks. |
Switching
Money Tree does not import from other apps. Connect your bank and your transactions arrive automatically, so there is nothing to move across. Plus shows twelve months of history from the day you connect.
Questions
What is a good alternative to Rocket Money?
It depends on why you are leaving. Choose Money Tree if you want a daily Safe to Spend number, a 30-day cash-flow forecast on Plus and goals that keep you saving. Choose Rocket Money if your main goal is cutting subscriptions and negotiating bills, and you bank in the US.
Can I move my data from Rocket Money to Money Tree?
Money Tree does not import from other apps. Connect your bank and your transactions arrive automatically, so there is nothing to move across. Plus shows twelve months of history from the day you connect.
How much does Money Tree cost?
Money Tree has a 7-day trial of everything, with nothing held back. After the trial, Plus is a monthly or yearly subscription.
Sources
Checked on 6 October 2026. Prices and features change; check each provider before you decide.
- https://help.rocketmoney.com/en/articles/2217739-how-much-does-rocket-money-cost (free plan, Premium sliding scale, 7-day trial, Premium features, bill negotiation fee)
- https://help.rocketmoney.com/en/articles/79778-does-rocket-money-support-international-banks (US-based banks only)
- https://help.rocketmoney.com/en/articles/931156-i-can-t-find-my-bank (bank linking through Plaid)
- https://www.rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost (Premium about USD 7 to 14, Premium+ USD 15 with no negotiation fee, two custom budgets on free, web access on Premium)
- https://www.rocketmoney.com/faq (Free, Premium and Premium+ tiers)
- https://apps.apple.com/app/id6794328903 (Money Tree features, Plus and the 7-day trial)
Rocket Money is a trademark of its owner. Money Tree is not affiliated with or endorsed by Rocket Money. This page compares publicly available information and is not financial advice.