Comparison
HeirLoft vs Rocket Money
Rocket Money details checked against Rocket Money’s own pages on October 20, 2026. Written by HeirLoft, so read it knowing that.
Both tools find the subscriptions you forgot you were paying for. Rocket Money does it by linking your bank accounts and watching the charges; on its paid plans its team will cancel subscriptions for you. HeirLoft does it from an email export you upload — no bank login — and then goes further: a decision for each account, and a guide your executor can follow.
Side by side
| HeirLoft | Rocket Money | |
|---|---|---|
| Price | Free for up to 25 accounts; Pro $9.99/month or $79/year | Free; Premium “pay what you think is fair”, typically $7–$14/month; Premium+ $15/month |
| How subscriptions are found | Receipts and renewal notices in an email export you upload | “Link your bank accounts” — the app “automatically detects and monitors these charges” |
| Needs your bank login | No | Yes — accounts connect through Plaid |
| Cancels subscriptions for you | No — you decide, and the provider guides show you where to cancel | Premium and Premium+: “we can cancel many unwanted subscriptions for you”, usually in 2–10 days. Free: “must cancel them on their own” |
| A decision for each account | Keep, cancel, transfer, or delete — plus who handles it | Not listed |
| Handoff document for an executor | PDF Handoff Guide (Pro) | Not listed |
| Bill negotiation | No | Yes, on every plan — a fee of 35–60% of the first year’s savings on Free and Premium; no fee on Premium+ |
| Budgeting | No | Yes — budgets, spending breakdowns, net worth tracking (Premium), credit score |
| Works on a computer | Yes — it is a website | Mobile app on Free; “web access is a Premium feature” |
HeirLoft is the better fit if
- You don't want to give an app your bank login.
- You want the list for your family as much as for your wallet — a decision for each account and a guide for your executor.
- You want to use it on a computer without paying.
Rocket Money is the better fit if
- You want a team to cancel subscriptions for you, not just a list of them.
- You want budgeting, bill tracking, and credit monitoring in the same app.
- You are fine linking your bank accounts through Plaid.
Sources
- Rocket Money: “How much does Rocket Money cost?” (free vs Premium vs Premium+) — checked October 20, 2026
- HeirLoft pricing
Prices and plans change. If something here is out of date, email support@heirloft.app and we’ll fix it.