Subvisory vs Rocket Money: Privacy-First Subscription Tracking

Rocket Money (formerly Truebill) is one of the most well-known subscription management tools. It connects to your bank account, detects recurring charges, and can even cancel subscriptions on your behalf.

Subvisory takes a fundamentally different approach. It never asks for your bank credentials. You stay in control of your data while still getting a clear picture of your recurring spending.

So which one is right for you? Let's compare them feature by feature.

Feature comparison

Privacy: the biggest difference

Rocket Money requires you to link your bank account through Plaid. This means a third party gets read access to your transaction history, account balances, and more.

Subvisory never connects to your bank. You add subscriptions manually, which means your financial data stays entirely with you. There is no third-party data broker in the middle.

For people who value privacy or simply don't want to share bank credentials, this is a significant advantage.

What Rocket Money does better

Rocket Money has two features Subvisory does not: bill negotiation and subscription cancellation on your behalf. If you want a service that actively calls companies to lower your bills, Rocket Money can do that (for a percentage of the savings).

It also auto-detects subscriptions from your bank feed, which means less manual data entry. The tradeoff is that you need to share your bank credentials.

What Subvisory does better

• Privacy: no bank connection, no third-party data access.
• Free trial tracking (Pro+): track trial periods and get reminders before you get charged.
• Team workspaces: share subscription tracking with your team, assign roles, and track SaaS costs together.
• REST API: integrate your subscription data with other tools and workflows.
• Multi-currency: track subscriptions in any currency with automatic exchange rate conversion.

Pricing comparison

Rocket Money offers a free tier with limited features and a premium plan starting at $4-12/month (you pick your price). Subvisory's free plan lets you track up to 5 subscriptions with basic analytics. The Pro plan is $5/month and unlocks unlimited subscriptions, spending forecasts, trial tracking, calendar view, and API access. The Business plan is $15/month and adds team workspaces and CSV import/export.

The verdict

Choose Rocket Money if you want automatic detection of subscriptions from your bank feed and don't mind sharing your bank credentials.

Choose Subvisory if you value privacy, need team features, want API access, or prefer to keep your bank data private. It's a focused subscription tracker that does one thing well without asking for more data than it needs.

Read more about our privacy-first approach.