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Alternative for full tracking
A Rocket Money alternative that tracks more than subscriptions
Rocket Money takes 35-60% of savings it negotiates and charges $7-14/month for Premium. Clarity is $99/year flat for investments, crypto, taxes, budgets, and AI.
Category page
Money Tracking App
The category-center page for people who need spending, net worth, investing, crypto, and taxes in one system.
- Built for fragmented finances, not one-account simplicity
- Spending, portfolios, crypto, and taxes together
- NFT gallery with collection grouping, floor prices, and collectible tax treatment
- The clearest category entry into the full product story
Explore money tracking
Investor wedge
Personal Finance App for Investors
A sharper wedge for self-directed investors and complex households who need cash flow and portfolio context together.
- Cash flow plus portfolio, allocation, and tax visibility
- Full DeFi dashboard with health factor monitoring and yield optimization
- Designed for people who outgrew budgeting-only apps
- The strongest fit page in the flagship cluster
See the investor angle
Aggregation promise
Track All Your Money
See every account in one place across banks, brokerages, retirement accounts, exchanges, wallets, and planning workflows.
- One system across account types, entities, and weekly reviews
- Useful for weekly reviews, planning, and tax prep
- Pre-filled IRS Form 8949, Schedule D, and Schedule 1 PDF generation
- Turns fragmented financial data into operational context
See all-account tracking
Net worth
Net Worth Tracker
Track net worth with cash, liabilities, portfolios, retirement accounts, and crypto in one operating view.
- Net worth with allocation, spending, and portfolio context
- Useful for reviews, planning, and tax-aware decisions
- Stronger than a bank-only or brokerage-only snapshot
Explore net worth tracking
Spending
Spending Tracker
Track transactions, recurring bills, merchants, budgets, and cash-flow shifts with the wider financial picture attached.
- Transactions, merchants, recurring, and budgets together
- Better for operational finance than a static bank feed
- Connects day-to-day spending back to the bigger system
Explore spending tracking
Why people switch from Rocket Money
- Bill negotiation takes 35-60% of first-year savings — a $20/mo reduction costs you $84-$144 upfront
- Premium pricing is opaque: 'pay what you think is fair' ranges $7-$14/mo, with enough user confusion that Rocket Money has a help article titled 'Why Is Rocket Money Charging Me?'
- No investment tracking, no crypto, no portfolio analysis
- Free tier is a lead funnel — bill negotiation, advanced insights, and custom categories require Premium
- Bill negotiation requires giving the app authority to contact providers on your behalf
Where Clarity is the better fit
- Unified tracking across banks, brokerages, crypto exchanges, and wallets
- Banks + crypto exchanges + on-chain wallets in one dashboard
- AI-powered categorization with bring-your-own-key (BYOK) so users can route model traffic through their own provider
- Complete data deletion on account closure — your data is fully purged, not archived
Start from the Clarity page that best replaces Rocket Money
The best switch path depends on why the current product stopped being enough.
You need a stronger money tracker
Use the broad money-tracking page if your current tool covers only one slice of your financial life.
You need investor-grade context
Use the investor page if the gap is portfolio visibility, tax workflow, crypto coverage, or all-account net worth.
You want proof before switching
Validate integrations, product surfaces, and related comparisons before moving your workflow.
Side-by-side comparison
Scored across 9 criteria. Sources linked where available.
| Criterion | Clarity | Rocket Money |
|---|---|---|
| Account Coverage | 5/5 Banks, brokerages, crypto exchanges, and on-chain wallets in one dashboard. | 2/5 Rocket Money connects to banks and credit cards but does not support crypto, brokerage, or on-chain wallet tracking. |
| Sync Reliability | 4/5 Automatic retry logic and connection health monitoring with proactive alerts. | 3/5 Rocket Money's bank connections are reliable enough for subscription tracking, but the product is tuned for recurring-charge detection rather than full account monitoring. |
| Pricing Predictability | 3/5 Flat-rate paid pricing with all features included. | 4/5 Rocket Money offers a free tier for basic subscription tracking. Premium is $4-12/month (user chooses price), making entry very accessible. |
| Data Freshness | 4/5 Multiple automatic syncs per day with on-demand refresh for all connection types. | 3/5 Rocket Money syncs bank data regularly but is optimized for subscription detection rather than real-time balance tracking. |
| Historical Depth | 3/5 Imports up to 24 months of transaction history from connected institutions. | 3/5 Rocket Money pulls transaction history for subscription detection but is not designed for deep historical spending analysis. |
| Export & Reporting | 4/5 CSV export, spending breakdowns, net worth charts, and portfolio performance views. | 2/5 Rocket Money's reporting is focused on subscription costs and savings. General financial reporting and export options are limited. |
| Privacy & Security | 4/5 Read-only connections, encryption at rest, no ad tech, and no data sales. BYOK AI keeps model traffic under user control, and closing an account triggers full data purge. | 2/5 Rocket Money's bill-negotiation workflow requires users to let the service act on their behalf with billing providers. Negotiation fees take 35-60% of the first year's savings, which makes the all-in cost less predictable than a flat subscription. |
Who should switch (and who shouldn't)
Choose Clarity if…
Unified tracking across banks, brokerages, crypto exchanges, and wallets
- Hybrid investors with both traditional and crypto assets
- Privacy-conscious users who want BYOK AI and full data deletion
- Users who need a single net worth view across all accounts
- Crypto holders who need cost basis tracking for taxes
Choose Rocket Money if…
Help canceling subscriptions and negotiating lower bills
- Users who want someone to negotiate bills for them
- People trying to cancel forgotten subscriptions
- Casual budgeters who want a free tier
What users say
"Rocket Money found my forgotten subscriptions, but Clarity showed me my entire financial picture including investments and crypto."
"I wanted one dashboard for spending, net worth, and portfolio performance. Rocket Money only covered the first part."
How to switch
easy10 minutes
- 1Create a Clarity account and connect your bank accounts via Plaid
- 2Add crypto exchange and wallet connections if applicable
- 3Your transaction history and balances will sync automatically
- 4Keep Rocket Money's free tier if you still want subscription cancellation features
Frequently asked questions
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Ready to move on from Rocket Money?
14-day free trial. No credit card. Connect your accounts in under 5 minutes and see your real net worth across banks, crypto, and investments.
See the product
Try Clarity before you switch
Explore the interactive demo with sample data. No signup needed.
Ready to move on from Rocket Money?
14-day free trial. No credit card. Connect your accounts in under 5 minutes and see your real net worth across banks, crypto, and investments.