vs
Subcut vs Truebill
(Now Known as Rocket Money)
Searching for Truebill? It's now Rocket Money. Here's how it compares to Subcut for subscription tracking.
Quick Note: Truebill → Rocket Money
Truebill was acquired by Rocket Companies and rebranded to Rocket Money in 2022. Same app, new name. See our full Rocket Money comparison for more details.
TL;DR - The Name Change Edition 🔄
Choose Subcut if: You want simple, private subscription tracking. No bank connection, AI finds subscriptions from email, beautiful calendar view. $1.99/month, no surprises.
Choose Truebill/Rocket Money if: You want bill negotiation services (they call your providers to lower bills). Be ready to share bank access and pay 30-60% of your first year's savings.
Feature-by-Feature Breakdown
| Feature | Subcut | Truebill |
|---|---|---|
| Privacy (No Bank) | ✓ Yes | ✗ Required |
| AI Subscription Detection | ✓ From Email | ✓ From Bank |
| Bill Negotiation | — | ✓ 30-60% fee |
| Calendar View | ✓ Beautiful | ~ Basic |
| iCloud Sync | ✓ Built-in | — Account sync |
| Cancel Assistance | Cancel guides | ✓ Concierge |
| Pricing | $1.99/mo flat | $3-12/mo + fees |
The Truebill Story 📖
Truebill launched in 2015 as a subscription tracking app and grew into a popular financial management tool. In 2021, Rocket Companies (yes, the Rocket Mortgage folks) acquired them for $1.275 billion.
In 2022, Truebill officially became Rocket Money. Same features, same team, bigger marketing budget.
The app's core value prop hasn't changed: connect your bank, find subscriptions, negotiate bills on your behalf. The negotiation service is what makes them money — they take a cut of what they save you.
If you're searching for "Truebill": You'll be redirected to Rocket Money. For a privacy-first alternative that doesn't need your bank login, that's where Subcut comes in.
The Honest Take 🎯
Where Subcut Wins
- No bank access needed — True privacy
- Simple pricing — $1.99/month, no hidden fees
- Beautiful calendar — See all renewals at a glance
- iOS native — Built for Apple ecosystem
Where Truebill Wins
- Bill negotiation — They call providers for you
- Cancel concierge — They cancel services for you
- Free tier — Basic tracking at no cost
- Spending insights — Full financial picture
Frequently Asked Questions
Is Truebill the same as Rocket Money?
Yes! Truebill rebranded to Rocket Money in 2022 after being acquired by Rocket Companies. Same app, same features, new name.
Does Truebill still work?
If you had a Truebill account, it's now a Rocket Money account. The app updated automatically. New users download Rocket Money directly.
Is Subcut better than Truebill?
For privacy-focused subscription tracking, yes. Subcut doesn't require bank access. Truebill/Rocket Money is better if you specifically want bill negotiation services.
How much does Truebill cost now?
Rocket Money (formerly Truebill) uses "pay what you want" pricing from $3-12/month. Bill negotiation takes 30-60% of first-year savings. Subcut is a flat $1.99/month.
Skip the Bank Connection
Whether you knew it as Truebill or Rocket Money, Subcut offers a privacy-first alternative. AI-powered subscription tracking, no bank login required.
Download Subcut FreeThat Netflix you forgot? Still charging you. Find out what else is.