Subly vs Rocket Money

Rocket Money is a good personal app for people in the US. It has no business plan, shares with two people, and works only with US banks. Subly is built for the business: a team, owners, retainers, any currency, any country.

Start free trial See every difference

14 days of Business, no credit card. Free plan after that.

Why people pick Subly over Rocket Money

The differences that matter

Made for a business
Subly
Business, Team and owners
Rocket Money
No business plan
Rocket Money’s pages show no business plan; its “business” link goes to a mortgage-lending product. Subly gives every tool an owner and sends renewals to the person who decides.
Your whole team
Subly
Up to 20 people
Rocket Money
Two people
Rocket Money sharing is designed for a primary account holder and one partner. Subly includes 3, 10 or 20 people by plan.
Works where you bank
Subly
Anywhere, 150+ currencies
Rocket Money
US banks only
Upload a statement from any bank, or connect one in the US, Canada or Europe. Each item keeps its own currency, with totals in yours.
Money coming in
Subly
Retainers and Stripe revenue
Rocket Money
Personal income
Track client retainers and recurring revenue next to costs, and see 13 weeks of cash ahead on Business.

What you would pay

The price for your team, with renewal alerts on

Each product’s cheapest plan that fits, at list prices, Nov 2026. Subly yearly billing costs about two months less.

Monthly price for each team size
Team	Subly	Rocket Money
Just you, 30 tools	$5/monthPersonal	$0/monthFree · Personal use, US banks only
3 people	$5/monthPersonal	Not offered
10 people	$19/monthBusiness · Slack app and forecast included	Not offered

Feature by feature · checked Nov 2026

Subly and Rocket Money, line by line

Where a vendor’s own site doesn’t mention something, the table says so instead of guessing.

Yes:
Partly:
No:
Not stated:

Feature

Subly

Rocket Money

Getting your data in

Reads a bank or card statementUpload a file and it finds what repeatsPDF or CSV, no bank login. One on Free, unlimited from PersonalNo. Linked US bank accounts only

Bank connectionUS, Canada and Europe, read-only through Plaid. From PersonalUS banks only, through Plaid

Picks up receipts or invoicesForward receipts to your own Subly address. From PersonalNot stated on its site

Imports revenue from StripeRecurring revenue from Stripe. Business and TeamNo business plan

Lifetime deals and refund windowsAppSumo import and a heads-up before each refund window closes. Every planNot stated on its site

Hearing about it in time

Renewal alerts by emailEvery plan, Free includedPush and email

Alerts in SlackA Slack app with Keep, Plan to cancel and Snooze buttons. From BusinessNot stated on its site

Teams, Discord or TelegramMicrosoft Teams, Discord, Telegram and push. From PersonalNot stated on its site

Tells you about price rises“Notion Plus went up 20%: $10 → $12”. Every planNot stated on its site

Catches charges after you cancelledEvery planNot stated on its site

The whole picture

Money coming inClient retainers, payouts, recurring revenueRetainers, payouts and recurring revenue next to costs. Every planPersonal income against spending

Cash forecast13 weeks of your balance, with what-ifs. Business and TeamA bill timeline on Premium

Several currencies150+, each item in its own, totals in yoursUS-only service with US banks

People and owners

People on the account3 on Personal, 10 on Business, 20 on TeamTwo people sharing one account

An owner on every itemRenewals go to the owner, who decides. From PersonalNo business seats or roles

AI and automation

AI assistantClaude connector (MCP) and Ask Subly. From PersonalRowan, by text message, on Premium+ at $15/month

API and webhooksREST API and signed webhooks. From PersonalNot stated on its site

Price and reach

Free planUp to 20 items, with email alertsYes

Where it worksAnywhere. Statement upload needs no bankUS only

Fair is fair

What Rocket Money does well

Bill negotiation, with no success fee on Premium+ as of November 2, 2026.
A broad personal-finance app: budgets, credit score and balance alerts.
Rowan, an AI agent that works over text message, on Premium+.

Pick Rocket Money if

You live and bank in the US and want help with your own household bills. Keep the business on a separate tool.

Pick Subly if

You want every recurring payment found for you, in and out, with an owner who hears before it renews.

Made by Subly. What we say about Rocket Money comes from its own website, checked November 5, 2026. Spotted something out of date? Tell us and we will fix it.

More comparisons

Questions

Frequently asked questions

Does Rocket Money work for a business?

It isn’t built for one. As of November 2026, its pages show no business plan, sharing is designed for two people, and there are no business seats or roles.

Does Rocket Money work outside the US?

No. Its help center says it is only available to users in the United States with US-based banks.

Can I use Rocket Money at home and Subly for the business?

Yes. They don’t depend on each other. Subly also has a $5 Personal plan if you’d rather keep both in one place.

How is my data handled?

Your data is yours. It is encrypted in transit and at rest, never sold and never used for any other purpose. Bank connections are read-only. You can download all your data at any time, and if you ever decide to leave Subly, your data is deleted from our servers.

Try it on your own numbers.

Upload one statement and see every recurring charge Subly finds, with what renews next and what went up. Then decide.

Start free trial

Free for 14 days with the full Business plan, no credit card needed. The Free plan is yours to keep.

The differences that matter

Made for a business

Your whole team

Works where you bank

Money coming in