rilio.A Rocket Money alternative that just tracks your money
Want a Rocket Money alternative without the bank login, data-sharing concerns, or hard-to-cancel plan? Rilio is a private expense tracker. Flat $4.99/mo.
- 🔒 No bank login, ever
- 🚫 Never sells your data
- 💸 Flat $4.99/mo — no upsells
- 📱 iOS & Android
The best Rocket Money alternative for people who want less baggage is Rilio — a private, no-bank-login expense tracker for iPhone and Android. Rocket Money links your bank, has faced complaints (and an unresolved CFPB complaint) over its data-sharing and cancellation practices, which it disputes. Rilio does the core job — showing where your money goes — for a flat $4.99/mo (7-day free trial), with no bank login, no ads, and no data sharing. If you mainly want automated subscription cancellation or bill negotiation, Rocket Money still does those things Rilio doesn't.
Rocket Money vs Rilio
| Feature | Rocket Money | Rilio |
|---|---|---|
| Bank login required | Yes — via Plaid | Never asks for it |
| Add an expense | Automatic bank sync | ~5 sec — type, say it, or paste a bank text |
| Data-sharing practices | Criticized/disputed — Rocket Money denies selling data | Never shares or sells your data |
| Upsells inside the app | Frequent premium prompts | None |
| Cancel your own plan | Widely criticized as hard to cancel | Cancel anytime — no dark patterns |
| Price for full features | $7–$14/mo Premium (you pick) | Flat $4.99/mo — everything included |
| Budgets on the free tier | Capped at 2 categories | Unlimited (after 7-day trial) |
| Split bills with friends | No dedicated splitter (manual tagging only) | Built in — settles up automatically |
| AI chat | No — only an internal support chatbot | Yes — built-in AI chat |
| Bulk-import statement | Automatic sync only | Upload a PDF, AI reads months of history |
| Free tier | Yes — limited | 7-day free trial, then $4.99/mo |
| Works on | iOS, Android, web (web is Premium-only) | iPhone & Android |
Why people look for a Rocket Money alternative
Rocket Money is genuinely useful for cancelling subscriptions — but the way it makes money, and the way it holds onto yours, sends plenty of people looking for something simpler.
Premium is hard to cancel
Rocket Money is widely criticized for how difficult it is to cancel its own Premium plan — the irony of an app built to cancel your other subscriptions isn't lost on anyone.
Data-sharing concerns
Rocket Money connects to your bank and shares aggregated financial data as part of its business model — and has faced complaints (including an unresolved CFPB complaint) alleging this goes further than users realize, which the company disputes. If you'd rather not take that chance, that's reason enough to look elsewhere.
Constant upsells
The free tier is capped (just two budgets) and nudges you toward Premium and add-ons. It can feel like the app is selling to you more than helping you.
Bill-negotiation fees surprise people
Rocket Money's bill negotiation takes 35–60% of the first year's savings. It can pay off — but the cut catches many users off guard.
How Rilio is different from Rocket Money
No bank login, ever
Rilio never asks for your bank credentials. You log spends yourself in seconds, so there's nothing to connect, break, or hand over.
Nothing sold, no ads
Your spending is never monetized or sold. You pay $4.99/mo, so the app works for you — not for advertisers or lead-gen partners.
One flat price, everything included
No pay-what-you-want tiers, no add-on prompts. $4.99/mo covers the whole app, and you can cancel anytime with no hoops.
Five seconds a day
Type a spend, say it, or paste your bank's SMS — AI categorizes it. You get a clear picture of your money without an aggregator in the middle.
Split with friends, built in
Rilio also splits bills and group expenses, so a shared trip or dinner doesn't need a separate app.
Simple on purpose
No credit-score dashboards or product marketplaces — just a fast, private answer to where your money actually goes.
Ask Rilio like a friend
Rilio's built-in AI chat answers plain-English questions — “How much did I spend on food this month?” — instantly. Rocket Money's own chatbot only handles billing support, not your spending.
Bring your history in one upload
Have a bank or card statement PDF? Upload it and Rilio's AI pulls out every transaction — merchant, amount, category — flags duplicates, and lets you review before importing.
Rocket Money's way vs. the Rilio way
Both show you your spending. Only one of them isn't also selling to you.
Getting your spending in
Rocket MoneyLink your bank through Plaid and let an aggregator read your transactions.
RilioType it, say it, or paste your bank's text. Five seconds, no account linked.
Nothing connected means nothing to leak, break, or re-authenticate.
Your data
Rocket MoneyShares aggregated financial data as part of its model — a practice it's faced complaints over.
RilioYour spending is never sold or shared — it just stays yours.
The whole point of Rilio is a tool with no reason to look at your data.
Cancelling
Rocket MoneyFamous for making its own Premium plan frustrating to cancel.
RilioCancel any time from your app store, no retention maze.
An app you can leave easily is one that has to keep earning you.
What you pay
Rocket MoneyA $7–$14/mo pay-what-you-want Premium unlocks the good stuff, plus fee-based extras.
RilioA flat $4.99/mo, everything included, after a 7-day trial.
One clear price beats tiers, prompts, and success fees.
Pricing: Rocket Money vs Rilio
Rocket Money has a limited free tier, but the features people want sit behind a $7–$14/mo pay-what-you-want Premium — and bill negotiation takes 35–60% of your first-year savings. Rilio is a flat $4.99/mo with everything included, no add-on fees, and no data sharing behind the scenes.
How to switch from Rocket Money to Rilio
- 1
Note your recurring bills
Jot down the subscriptions and bills Rocket Money surfaced for you — you'll want them as budget categories in Rilio.
- 2
Download Rilio
Install Rilio on iPhone or Android and start the 7-day free trial. No bank login required.
- 3
Log spends in seconds
Type, speak, or paste your bank's transaction text. AI files each one for you.
- 4
Cancel Rocket Money when ready
Once Rilio is showing your money clearly, cancel Rocket Money's Premium (and unlink your bank) at your own pace.
Who should — and shouldn't — pick Rilio
- You want spend-tracking without linking a bank
- You'd rather your financial data wasn't shared with anyone
- You're tired of upsells and hard-to-cancel plans
- You want one flat, transparent price
- You occasionally split costs with friends
- You mainly want automated subscription cancellation
- You use Rocket Money's bill-negotiation service
- You specifically want automatic bank sync and a credit-score view
Rocket Money alternative — FAQ
Is Rilio the right Rocket Money alternative for you?
Rocket Money is a capable subscription-canceller, but it's also an aggregator that has faced real complaints over data-sharing and makes its own plan hard to leave. If what you actually want is a private, no-nonsense view of where your money goes — at a flat price, with nothing shared and nothing to cancel-fight — Rilio is the cleaner choice. Keep Rocket Money if automated cancellation or bill negotiation is the whole reason you're there.
Know where your money actually goes
The private, no-bank-login expense tracker. Log a spend in five seconds; the AI does the rest.
7-day free trial · No bank login, ever · On iOS & Android
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Last reviewed 2026-07-07. Competitor pricing and availability can change — verify on the provider's site.