# Rocket Money Alternative: A Subscription Tracker That Does Not Need Your Bank Login

By Andrii Gnasevych · Published 11 November 2026 · Source: https://www.a-devgroup.com/rocket-money-alternative/

**Short answer.** Rocket Money links your bank accounts, finds subscriptions automatically and can negotiate bills. If you would rather not connect a bank, Worth lets you add subscriptions yourself, import a backup or supported export, or recognize a receipt on your phone, and reminds you before renewals and trial endings.

Disclosure: I build [Worth](https://apps.apple.com/us/app/worth-subscriptions/id6815235568?pt=128162591&ct=web_rocket_money_alternative&mt=8). Rocket Money facts come from its public App Store listing (US storefront, 3 November 2026).

## Comparison table

|  | Worth | Rocket Money |
|---|---|---|
| How subscriptions are found | You add them, import a backup or export, or recognize a receipt on the device | Links your bank accounts |
| Bank connection | Not required | Required for tracking |
| Reminders | Renewals and trial endings | Not detailed in the listing |
| Forecast | 3, 6 or 12 months | Not mentioned in the listing |
| Cancelling | Does not cancel for you | Finds and cancels subscriptions in the app |
| Other money tools | No | Budgets, net worth, credit score, bill negotiation |
| Price | Pro $3.99/month or $29.99/year; Plus $24.99 one-time | Free to start; paid features (see listing) |
| App Store rating (US) | New, few ratings | 4.5 (about 405,000) |

## Why look for a Rocket Money alternative

The common reason is access. Bank-linked apps find charges for you, which is convenient, and it means giving an app a view of your accounts. Some people prefer a manual tracker that trades automation for handing over less.

## Where Worth fits

- **No bank login.** Add subscriptions manually, import a backup or supported export, or recognize a receipt locally with Apple Vision.
- **Reminders** for renewals and trial endings.
- **Audit.** Flags rarely used, duplicated or recently increased subscriptions.
- **Forecast** spending for 3, 6 or 12 months, and a widget for upcoming charges.

Honest limits: Worth does not cancel subscriptions for you and is not a bank or financial adviser. Subscription records stay on your device; the App Store privacy label also lists purchases and identifiers linked to you, which relate to buying Worth itself.

## Where Rocket Money is the better pick

If you want budgets, net worth, a credit score and bill negotiation in one app and you are comfortable connecting your bank, Rocket Money covers much more ground. See the full [comparison of five subscription trackers](https://www.a-devgroup.com/best-subscription-tracker-apps/).

## Screenshots

![Home screen of the Worth subscription tracker on iPhone showing the next renewal and a list of upcoming renewals with sample subscriptions and prices](https://www.a-devgroup.com/app-images/worth/worth-subscription-tracker-home-upcoming-renewals.jpg)
*Upcoming renewals at a glance (sample data).*

![Subscriptions list in the Worth app on iPhone with a search field, status and sort filters and sample subscriptions with renewal dates and prices](https://www.a-devgroup.com/app-images/worth/worth-subscription-tracker-subscriptions-list.jpg)
*Search and filter every subscription (sample data).*

![Insights screen in the Worth app on iPhone with 3-month, 6-month and yearly forecast tabs, recorded prices and spending by category](https://www.a-devgroup.com/app-images/worth/worth-subscription-tracker-insights-forecast.jpg)
*Forecasts and spending by category.*

## FAQ

### What is a good Rocket Money alternative that does not link to my bank?

Worth is a manual subscription tracker: you add subscriptions, import a backup or export, or recognize a receipt on the phone, with no bank login.

### Can Worth cancel subscriptions for me?

No. Worth shows charges, reminders and an audit, but you cancel in Apple ID settings or with the provider.

### Is Worth free?

Free to download. Worth Pro is $3.99 per month or $29.99 per year, and Worth Plus is a $24.99 one-time purchase. Check the App Store listing for current prices.

### Where does Worth store my data?

Subscription records stay on your device. An iCloud backup is made only if you choose it.

App Store: https://apps.apple.com/us/app/worth-subscriptions/id6815235568?pt=128162591&ct=web_rocket_money_alternative&mt=8
Worth:Subscriptions: https://www.a-devgroup.com/worth/

## Related guides

- [Best subscription tracker apps, compared](https://www.a-devgroup.com/best-subscription-tracker-apps/)
- [Worth: Subscriptions (app page)](https://www.a-devgroup.com/worth/)