A Rocket Money alternative that never asks for your bank login
Rocket Money finds subscriptions by reading your linked bank accounts. MoneyShield works the other way round: you add what you pay for, and it ranks what to cancel first — nothing is connected to your bank.
Written by the makers of MoneyShield. We've tried to be fair — check the sources below.Side by side
Rocket Money
- You need to link at least one bank account (through Plaid) to use the app.
- Premium is choose-your-price, typically $7–$14 a month, with a 7-day trial.
- Offers bill negotiation and a cancellation concierge.
MoneyShield
- No bank login or account linking.
- Cancel First: a ranked list with the reason for each (cost, usage, renewal timing, price rises, trials ending).
- 30-day charge timeline and yearly totals, clearly marked as estimates.
- Cancellation Assistant points to the official cancellation route, plus copy-ready request templates.
Which should you choose?
Choose Rocket Money if: You want automatic detection from your transactions and are comfortable linking accounts.
Choose MoneyShield if: You'd rather not connect your bank and want a clear, private plan for what to cancel.
MoneyShield is free to download, with optional in-app purchases for extra features. Prices for other apps change often and vary by country — check the store before you subscribe.
MoneyShield: Sub Tracker
MoneyShield: Sub Tracker helps you decide which subscriptions to keep, which to cancel first, and when you need to act — before the next charge.
Get it on the App StoreSources
Facts about other apps were checked against these sources in November 2026. Product names belong to their owners; this page is not affiliated with or endorsed by them.