What Rocket Money costs, what it does that we don't, and which of our two apps fits if you go.
Rocket Money's free plan costs nothing. Premium is pay-what-you-want, typically $7 to $14 a month, and its bill negotiation takes roughly 35 to 60 percent of the first year's savings. We make two apps you buy once that do the money side on your own device. SIMPL ($199 once) is for your own or your household's money. Nexa ($279 once) has the same money tools plus the tools to run a business. Neither one cancels or negotiates bills for you. If that service is why you pay Rocket Money, stay.
Your personal or household money. Budgets, bank sync through Plaid (or bank files you import), the repeating-charge finder (Drain Guard), net worth, goals and debt payoff. This is the direct Rocket Money replacement.
Get SIMPL — $199You also run a business or a side hustle. Nexa has the same money tools, plus quotes, invoices, scheduling, jobs, a client list and business books. One app for both, so you don't buy SIMPL as well.
Get Nexa — $279If you're not sure, start from what you'd use this week. Only tracking your own spending means SIMPL. Sending an invoice or booking a client means Nexa.
SIMPL is $199 once, about $17 a month over its first year. Its Drain Guard reads your expenses (from a linked bank, an imported statement, or ones you type in), finds the charges that repeat, and adds them up by the month. Keep or Cut then walks you through them one at a time. Cancel $17 a month of charges you'd forgotten about and SIMPL has paid for itself inside the first year, before you count the Rocket Money bill you'd stop paying. Nexa has the same Drain Guard.
It depends on what you find and what you cancel, so we don't promise a number.
Rocket Money (formerly Truebill, owned by Rocket Companies) finds your subscriptions, tracks spending against budget categories, and offers paid help cancelling subscriptions and negotiating bills.
Read on each linked page in October 2026. Check them again before you decide; Rocket Money's pricing page sends you into the app, so the article above is its own published summary.
If you're on the free plan and it shows you what you need, switching to either app costs you money. Don't switch to save money.
On Premium the math changes with what you chose to pay. At $7 a month Rocket Money is $252 over 3 years; at $14 it is $504. SIMPL is $199 once on one device, and Nexa is $279 once. Add Cloud Sync ($4.99 a month) to use either on your phone and computer, and SIMPL comes to $378.64 over 3 years. That is more than Premium at $7 and less than Premium at $14.
The real difference is who does the work. Rocket Money's paid service will cancel subscriptions and negotiate bills for you, for a fee. SIMPL and Nexa find the charges and line them up for you to decide on, then you cancel them yourself and keep all of what you save.
| Rocket Money | SIMPL | Nexa | |
|---|---|---|---|
| Price | $0, or typically $7–$14/mo | $199 once | $279 once |
| Finds repeating charges | ✓ | ✓ | ✓ |
| Cancels or negotiates for you | ✓ (paid) | ✗ | ✗ |
| Budgets and bank sync | ✓ | ✓ | ✓ |
| Goals and debt payoff | — | ✓ | ✓ |
| Works offline | — | ✓ | ✓ |
| Invoices, scheduling, jobs, clients | ✗ | ✗ | ✓ |
— where Rocket Money's published pages don't say.
Rocket Money: from Rocket Money's pricing article, checked October 2026. Premium is whatever you choose to pay, so the table shows both ends of the typical range.
| Over 3 years, at today's prices | Total |
|---|---|
| Rocket Money, free plan | $0 |
| Rocket Money Premium at $7/mo | $252 |
| Rocket Money Premium at $14/mo | $504 |
| Rocket Money Premium+ at $15/mo | $540 |
| SIMPL, one device | $199 |
| SIMPL + Cloud Sync on all your devices | $378.64 |
| Nexa, one device | $279 |
| Nexa + Cloud Sync on all your devices | $458.64 |
Bill negotiation fees aren't in the table, because they depend on what Rocket Money saves you.
Before you cancel, screenshot or write down the subscriptions Rocket Money found, so you have the list. Then link your bank in SIMPL or Nexa, or download your bank and card history straight from the bank (CSV, OFX or QFX) and import it. Drain Guard rebuilds the list of repeating charges from your transactions. Budgets and goals you set up again.
Every import, with templates: Bring your data. Keep Rocket Money until the new list checks out.
Per Rocket Money's own pricing article, checked October 2026: the free plan is $0, Premium is pay-what-you-want and typically $7 to $14 a month, and Premium+ is $15 a month. Bill negotiation is a separate fee of roughly 35 to 60 percent of the first year's savings.
SIMPL ($199 once) if it is your own or your household's money. Nexa ($279 once) if you also run a business or side hustle: it has the same money tools plus invoicing, quotes, scheduling, jobs and a client list.
No. SIMPL finds the charges that repeat and walks you through them one at a time, but you cancel them yourself. If you want someone to cancel or negotiate bills for you, that is what Rocket Money's paid service does.
Both come with a 30-day money-back guarantee.
· Rocket Money price checked October 2026