Apps • Money-Saving
Rocket Money vs. Truebill: Which One Actually Saves You More?
You know the feeling — you’re at Target buying cereal and somehow the total says you bought a small TV.
Later, TikTok says “try Rocket Money or Truebill.” Cool. But which one will actually save you more?
We ran a friendly face-off so you don’t have to.
Heads up: We may use affiliate links to products we trust. It costs you nothing and helps keep the hive buzzing.
The Wake-Up •
Meet the Apps •
Killing Subscriptions •
Lowering Bills •
What It Costs •
Who Saved More •
What Using Them Feels Like •
Side-by-Side •
Beelinger Verdict •
FAQ
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The Wake-Up at Target
Janelle scanned her card at Target and watched her balance drop like a phone with 1% battery. She wasn’t buying fancy candles
or $300 shoes. She even shops sales at Walmart. But her money was still slipping away.
That night on TikTok, she saw the usual “hack”: Rocket Money vs Truebill.
Both claim they can cancel sneaky subscriptions and lower bills. So she tried both. Here’s what happened.
Meet the Apps
Truebill is the blunt friend who tells you the hard truth fast.
Rocket Money Polished
- Finds subscriptions and lets you cancel them.
- Bill negotiation help (internet, phone, more).
- Clean charts + budget view that “feels” pro.
If you like neat dashboards and calm vibes, this is your jam.
Truebill Direct
- Spots weird charges fast and pings you.
- Can help lower bills too.
- “Do it now” buttons and alerts.
If you want fast, loud nudges, this one fits.
Finding & Canceling Sneaky Subscriptions
Rocket Money showed Janelle a tidy list: Netflix, Spotify, Audible… and something called FitDance Pro.
Truebill yelled (nicely): “You’re paying for BarkBox and you don’t have a dog.”
Both found waste. Both made canceling easy. The difference is the vibe:
Rocket Money = spreadsheet in a suit. Truebill = friend who snatches your phone and presses “Cancel.”
Lowering the Big Bills (Internet, Phone, etc.)
Janelle’s internet bill was $98/month. Both apps offered to negotiate. A week later, it fell to $68.
That’s $30/month saved — or $360/year. Hello, holiday shopping without stress.
Note: Both apps may charge a success fee (a cut of what they save). You still come out ahead.
What It Costs (Still Worth It?)
- Rocket Money Premium: choose-your-price model (commonly $3–$12/mo).
- Truebill Premium: usually in the $6–$12/mo range.
- Bill negotiation fee: both can take up to ~40% of the first-year savings.
Sounds annoying, but if they save $30 and you pay $12, you still win. It’s like tipping for good service —
but the “service” is your bills getting smaller.
So… Who Saved More?
Over one month, Janelle saw this:
- Rocket Money: canceled three subs + lowered internet. Estimated ~$250 saved month one.
- Truebill: canceled two subs + flagged a $9.99 app + lowered insurance. Estimated ~$220 saved month one.
Rocket Money “won” by a hair for Janelle. But the big win was peace of mind. No more mystery charges eating her lunch money.
What Using Them Feels Like
Rocket Money feels like Target
Organized, good-looking, calm. You open it and feel like an adult who has their life together.
Truebill feels like Walmart
Direct, no frills, gets things done. Maybe not as pretty, but fast and everywhere.
Side-by-Side Comparison
| Feature | Rocket Money | Truebill |
|---|---|---|
| Finds subscriptions | Yes — tidy list + charts | Yes — fast alerts |
| Cancel help | In-app options; feels guided | Direct cancel buttons; quick |
| Bill negotiation | Yes (success fee) | Yes (success fee) |
| Budget & reports | Clean visuals, categories | Simple view, action-first |
| Vibe | Polished dashboard (Target) | Blunt hustle (Walmart) |
| Who might love it | People who want calm, organized tools | People who want loud, quick wins |
Beelinger Verdict
Short answer: You win with either app if you actually use it.
- Pick Rocket Money if you love tidy dashboards and smooth automation.
- Pick Truebill if you want blunt alerts and fast action.
Then send your new savings to a HYSA. That’s how you turn “$30 less on internet” into “my emergency fund is finally growing.”
TL;DR
Rocket Money saved Janelle a little more (~$250 vs ~$220), but both worked. Choose the style that fits your brain.
And please, move the savings somewhere they earn money.
Helpful Resources
- Beelinger Savings Starter Kit — simple steps to grab quick wins.
- Best High-Yield Savings Accounts — comparison you can scan in 2 minutes.
- How I Built a Debt Snowball (Without Crying… Much)
- Printable Budget Template (Free PDF)
FAQ: Rocket Money vs. Truebill
- Is Rocket Money the same as Truebill?
- No. People still say both names online, but we treat them as separate choices here to keep it simple.
- Do I have to pay for Premium?
- No, but Premium features (like support and extra tools) can help. Many users start free, then upgrade if they see value.
- What if they don’t save me money?
- Then don’t keep paying. Track your results for a month, and decide from real numbers.
- Where should I put the money I save?
- Open a high-yield savings account and move new savings there each payday. See our picks above.
Ready to Keep More of Your Paycheck?
Grab our free kit and start with the easiest wins first.