Clarity vs Rocket Money
Last updated: February 2026
Rocket Money excels at subscription management and bill negotiation, offering a free tier that helps users cancel unwanted subscriptions. Clarity focuses on comprehensive financial tracking across banks, investments, and crypto. Choose Rocket Money if cutting bills is your main goal; choose Clarity if you want a full picture of your finances across asset classes.
Who Should Choose What
Choose Clarity if...
Users who want unified tracking across banks, brokerages, crypto exchanges, and wallets
- Hybrid investors with both traditional and crypto assets
- People who want automated categorization over manual budgeting
- Users who need a single net worth view across all accounts
- Crypto holders who need cost basis tracking for taxes
Choose Rocket Money if...
Users who want 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
Rubric Comparison
Each criterion scored 0-5 with evidence sources. Hover over badges for details.
| Criterion | Clarity | Rocket Money |
|---|---|---|
Account Coverage Range of financial accounts and asset types supported. | 5/5 Banks, brokerages, crypto exchanges, and on-chain wallets in one dashboard. Internal | 2/5 Rocket Money connects to banks and credit cards but does not support crypto, brokerage, or on-chain wallet tracking. Docs |
Sync Reliability How consistently account data syncs without errors or manual intervention. | 4/5 Automatic retry logic and connection health monitoring with proactive alerts. Internal | 3/5 Rocket Money's bank connections are generally reliable but users report occasional sync delays. Docs |
Setup Time Time from sign-up to a fully connected, useful dashboard. | 4/5 Connect accounts and see your dashboard in under 5 minutes. Internal | 4/5 Rocket Money has a fast onboarding flow and quickly identifies subscriptions from connected accounts. Docs |
Pricing Predictability How transparent and stable the pricing is over time. | 3/5 Flat-rate paid pricing with all features included. Internal | 4/5 Rocket Money offers a free tier for basic subscription tracking. Premium is $4-12/month (user chooses price), making entry very accessible. Pricing |
Data Freshness How quickly new transactions and price changes appear. | 4/5 Multiple automatic syncs per day with on-demand refresh for all connection types. Internal | 3/5 Rocket Money syncs bank data regularly but is optimized for subscription detection rather than real-time balance tracking. Docs |
Historical Depth How far back transaction and portfolio history extends. | 3/5 Imports up to 24 months of transaction history from connected institutions. Internal | 3/5 Rocket Money pulls transaction history for subscription detection but is not designed for deep historical spending analysis. Docs |
Export & Reporting Ability to export data and generate financial reports. | 4/5 CSV export, spending breakdowns, net worth charts, and portfolio performance views. Internal | 2/5 Rocket Money's reporting is focused on subscription costs and savings. General financial reporting and export options are limited. Docs |
Privacy & Security Data protection practices, encryption, and privacy controls. | 4/5 Encryption at rest and in transit. No advertising or data monetization. Internal | 3/5 Rocket Money is owned by Rocket Companies. The free tier raises questions about data monetization, though they state data is not sold. Docs |
Developer Experience API access, webhooks, and extensibility for power users. | 3/5 No public API yet. CSV exports available for external tool integration. Internal | 1/5 Rocket Money does not offer a public API or meaningful data export options. Docs |
Detailed Breakdown
Account Coverage
Your net worth is only accurate if every account is included — banks, brokerages, crypto exchanges, and wallets.
Clarity connects to over 12,000 banks through Plaid, major crypto exchanges via CCXT, and on-chain wallets via Alchemy. Your complete financial picture lives in one place, from checking accounts to DeFi positions.
Rocket Money connects to banks and credit cards primarily for the purpose of detecting recurring charges and subscriptions. It does not track investments, crypto holdings, or provide a net worth view across asset classes.
These products serve different needs. Clarity is a financial tracker; Rocket Money is a subscription manager that happens to connect to your bank.
Export & Reporting
Your data should be portable. Tax season, accountant handoffs, and audits require clean exports.
Clarity provides CSV exports, spending category breakdowns, net worth trends over time, and portfolio performance charts. The reporting is designed for users who want to understand their full financial trajectory.
Rocket Money's reporting focuses on how much you spend on subscriptions and how much the bill negotiation service has saved you. Broader financial reporting and data export are not core features.
If you want comprehensive financial reports, Clarity is the better tool. Rocket Money's reports are narrow but useful for their specific purpose.
Pricing Predictability
Hidden fees, usage tiers, and surprise price hikes erode trust.
Clarity is a paid product with flat-rate pricing. All features are included at every tier with no upsells or premium-only capabilities.
Rocket Money stands out with a free tier that covers basic subscription tracking. The premium tier uses a pay-what-you-want model between $4 and $12/month, which is unusually flexible. Bill negotiation takes a percentage of savings.
Rocket Money's free tier and flexible pricing are a genuine strength for budget-conscious users. Clarity's pricing reflects its broader feature set.
Data Freshness
Delayed data leads to budgeting mistakes and missed market movements.
Clarity syncs all connected accounts multiple times per day and supports on-demand refresh. Crypto prices update in near real-time through market data feeds, keeping portfolio values current.
Rocket Money syncs bank transactions regularly but prioritizes subscription detection over real-time balance accuracy. For its use case, the refresh frequency is adequate.
Clarity delivers fresher data across more account types. Rocket Money's sync frequency is fine for subscription tracking but not designed for active portfolio monitoring.
How to Switch
Switching from Rocket Money
- 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
Does Clarity offer bill negotiation like Rocket Money?
No. Clarity focuses on financial tracking and portfolio visibility, not bill negotiation. If bill negotiation saves you money, you can use Rocket Money's free tier alongside Clarity.
Can Clarity detect and track my subscriptions?
Clarity identifies recurring transactions and shows them in a dedicated view. However, it does not offer one-click cancellation or negotiation services like Rocket Money does.
Is Rocket Money really free?
Rocket Money's basic subscription tracking is free. Premium features like bill negotiation, custom categories, and priority support require a paid plan at $4-12/month. Bill negotiation also takes a percentage of your first year's savings.
Should I use both Clarity and Rocket Money?
That can work well. Use Rocket Money's free tier for subscription management and bill negotiation, and use Clarity for comprehensive financial tracking across all your accounts including crypto and investments.
Ready to See the Full Picture?
14-day free trial. No credit card required. Banks + crypto in one place.
Need plan details? See pricing.