Rocket Money Cancels Subscriptions.
Clarity Tracks Everything.
Rocket Money is a subscription cancellation service that also does some budgeting. But their pricing is opaque and their own cancellation process is notoriously difficult.
Clarity: Complete finance tracking with transparent pricing. $99/year flat. Banks + crypto. No dark patterns.
Rocket Money vs Clarity
| Feature | Rocket Money | Clarity |
|---|---|---|
| Pricing | $7-14/mo (negotiated) | $99/year or $12/mo (fixed) |
| Transparent Pricing | ||
| Bank Connections | ||
| Investment Tracking | ||
| Crypto Exchange Connections | ||
| Blockchain Wallet Tracking | ||
| Subscription Tracking | Automatic detection | |
| Subscription Cancellation Service | ||
| Bill Negotiation | ||
| Automatic Categorization | Yes (AI-powered) | |
| Budget Tracking | Category budgets with rollover | |
| Cost Basis Tracking (FIFO) | FIFO method included | |
| Credit Score Monitoring | ||
| Easy to Cancel | Difficult (widely reported) | One click, anytime |
What Rocket Money Does Well
Rocket Money (formerly Truebill) carved out a niche with services most finance apps don't offer:
- Subscription Cancellation: They'll cancel subscriptions on your behalf — you don't have to call or navigate cancellation flows yourself
- Bill Negotiation: They negotiate lower rates on bills like cable, internet, and phone plans (they take a cut of savings)
- Credit Score: Free credit score monitoring within the app
- Smart Savings: Automated savings transfers based on spending patterns
If you need someone to cancel subscriptions and negotiate bills for you, Rocket Money has unique value. But as a complete finance tracker, it falls short.
The Pricing Problem
This is the biggest difference between Rocket Money and Clarity. Rocket Money doesn't have fixed pricing — you "negotiate" your subscription cost between $7-14/month. This creates several problems:
- No Upfront Clarity: You don't know the real cost until after you sign up and go through the pricing flow
- Higher Prices First: The app presents $14/month first and requires multiple rejections to get lower pricing
- Unfair Pricing: Different users pay different amounts for identical features. There's no way to know if you're getting the best rate
- Ironic Cancellation: The app that cancels your subscriptions makes their own subscription notoriously hard to cancel — numerous BBB complaints and Reddit threads document the difficulty
Clarity believes in transparent pricing. Everyone pays the same: $12/month or $99/year. No negotiations. No dark patterns. Cancel in one click.
Why We Built Clarity
1. Complete Finance Tracking, Not Just Cancellation
Rocket Money started as a subscription cancellation tool and added budgeting later. Their budgeting features are serviceable but not their strength. Clarity was built from day one as a complete finance tracker.
Clarity's approach: Full budgeting with category rollover, automatic merchant normalization (10,000+ merchants), AI-powered categorization, and recurring detection. Finance tracking is the core product, not an afterthought.
2. Crypto Support
Rocket Money can't connect to crypto exchanges or blockchain wallets. If you hold any crypto, your net worth in Rocket Money is incomplete.
Clarity's approach: Connect exchanges (Coinbase, Kraken, Binance) and blockchain wallets (Ethereum, Bitcoin, Solana). Real-time prices. FIFO cost basis tracking for tax reporting. One dashboard, one net worth number.
3. Transparent Pricing
Clarity costs $99/year or $12/month. Everyone pays the same. No negotiation tactics, no variable pricing, no dark patterns. You can cancel in one click from your settings page.
4. You Can Cancel Your Own Subscriptions
Rocket Money's cancellation service is convenient, but you can cancel most subscriptions yourself in 2-5 minutes. Is that worth $7-14/month? Clarity identifies your subscriptions automatically — you decide which to cancel yourself.
When to Use Rocket Money vs Clarity
Choose Clarity if...
- You want transparent, fixed pricing
- You hold crypto alongside traditional investments
- You need full budgeting and investment tracking
- You can cancel your own subscriptions
- You value simplicity and no dark patterns
- You want banks + crypto in one dashboard
Stick with Rocket Money if...
- You want someone to cancel subscriptions for you
- You need bill negotiation services
- You want credit score monitoring
- You don't mind variable pricing
- You don't hold any crypto
Switching from Rocket Money to Clarity
If you're paying Rocket Money $7-14/month for basic budgeting, switching to Clarity takes 10 minutes:
- Sign up for Clarity's 14-day trial (no credit card required)
- Connect your banks via Plaid (same provider Rocket Money uses)
- Add crypto exchanges/wallets (if you have any)
- Review your subscriptions — Clarity detects them automatically
- Set category budgets (Clarity auto-suggests based on spending)
- Cancel Rocket Money (if you can find the button)
You'll save money on the subscription itself and get a more complete financial picture with crypto support.
Frequently Asked Questions
Is Rocket Money's pricing really variable?
Yes. Rocket Money presents pricing between $7-14/month and asks you to "choose" your price. The higher price is presented first, and you need to reject it to see lower options. Clarity charges everyone the same: $12/month or $99/year.
Can Clarity cancel subscriptions for me?
No. Clarity identifies your subscriptions automatically so you can see what you're paying for, but you cancel them yourself. Most subscriptions take 2-5 minutes to cancel. Rocket Money's cancellation service is their unique feature.
Is Rocket Money hard to cancel?
Many users report difficulty cancelling Rocket Money. There are numerous BBB complaints and Reddit threads about the process. Ironic for a subscription cancellation service. Clarity lets you cancel in one click from settings.
Does Rocket Money support crypto?
No. Rocket Money focuses on traditional bank accounts and subscription management. It doesn't connect to crypto exchanges or blockchain wallets. Clarity supports both with real-time pricing and cost basis tracking.
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