We make Cadora, so read this as a comparison written by one side. Facts about Rocket Money come from its US App Store listing, checked on 17 October 2026. Features and prices change, so confirm anything important on the listing itself.
The short answer
Choose Rocket Money if you want an app to discover your subscriptions automatically, cancel them for you, negotiate bills, and handle budgeting and net worth in one place, and you are comfortable linking your accounts. Choose a manual tracker if you mainly want warnings before renewals and trials, prefer not to share account access, and are willing to enter each item once.
Side-by-side
| Question | Rocket Money | Cadora |
|---|---|---|
| How subscriptions get in | Found from the accounts you link | You add each one, or pick from 75 common services and type the amount |
| Bank or card connection | Yes, the app tracks the accounts you link | No. No Cadora account, bank connection, or email scanning |
| Finds forgotten subscriptions | Yes, if they appear in a linked account | No, only what you enter |
| Cancels for you | Yes, in the app; its assistant can handle cancellations and bill negotiation (assistant included with Premium+) | No. Shows where an item is billed and reminds you on the date you choose |
| Free trials before the first charge | Depends on a charge appearing | Trackable from the day you start, with the conversion date |
| Renewals on Apple Calendar | Not described on the listing | Yes, optional, per item |
| Budgeting, net worth, credit score | Yes | No; recurring costs and income only |
| Where your data lives | Rocket Money's service (see its privacy policy) | Your device and your private iCloud; the developer holds no copy |
| Price | Free features plus paid tiers (see the listing) | Free up to 10 active items with a banner ad; Premium $1.99/month, $12.99/year, or $19.99 once (US) |
| Devices | iPhone and iPad, iOS 16.4 or later | iPhone and iPad, iOS 18 or later |
Where Rocket Money is the better fit
- You don't know what you're paying for. Reading transactions across linked accounts is the fastest way to surface forgotten charges. A manual tracker can't do this.
- You want someone else to do the cancelling. Rocket Money cancels subscriptions in the app and offers to negotiate some bills. Cadora only reminds you.
- You want a full money app. Budgets by category, net worth, savings, and credit score sit beside subscriptions.
Where a manual tracker is the better fit
- You don't want to link accounts. Nothing is connected, so there is no ongoing access to revoke later.
- You want warnings before money moves. A trial or annual plan is on the list from the day you start it, not after it first bills.
- Some costs are outside your accounts. A plan a relative pays for, a cost split with a housemate, or a bill paid in cash can all go on the list.
- You want help deciding. Cadora suggests whether to keep, pause, downgrade, or cancel each item, with the reasoning done on your device.
Get the discovery benefit without linking a bank
Do one pass through three months of card statements, your Apple subscriptions, provider accounts, and payment-wallet agreements. Our subscription audit guide covers each source. Enter what you find once, then repeat the statement check every quarter.
FAQ
Is there a Rocket Money alternative that doesn't connect to my bank?
Yes. Manual subscription trackers hold only what you enter, so they need no bank or card connection. Cadora is one, for iPhone and iPad: it totals your recurring costs, reminds you before renewals, and can add renewal dates to Apple Calendar. It cannot find forgotten charges or cancel anything for you.
Can Cadora cancel subscriptions like Rocket Money?
No. Cadora shows where each item is billed, such as Apple's Subscriptions screen or the provider's site, and reminds you on a cancel-by date you choose. You cancel with the provider yourself and keep its confirmation.
Is Cadora free?
Cadora is free for up to 10 active items and shows a banner ad on the free tier. Premium adds unlimited items, multiple reminders, advanced insights, export, and no ads. US prices are $1.99 a month, $12.99 a year, or $19.99 once.
Rocket Money is a trademark of its owner. Aquifer is not affiliated with or endorsed by Rocket Money.