A Rocket Money alternative, when your bank is not in the US
Rocket Money is built for people in the United States with US banks, and its best-known features are a team that cancels subscriptions and negotiates bills for you, so the right alternative depends on which part you actually use.
Stay with Rocket Money if you live in the United States and want an app that finds your subscriptions, has its team cancel them and negotiates your bills, because Hundo does none of those things. Hundo fits if you live outside the US or hold more than one currency, since Rocket Money is only for people in the United States with US banks: in Hundo, suggestions from your own history log a subscription in one tap on the day it usually lands, and each account keeps its own currency, in 166 of them.
Rocket Money is one of the best-known money apps in the United States, and its pitch is different from most budgeting apps. It is less about the budget and more about the leaks: subscriptions you forgot, and bills that could be lower.
That makes this comparison easy to set up. If those services are why you use it, Hundo is not a replacement. If they are not, the question is what you actually need from a tracker.
What does Rocket Money do that most apps do not?Link to this section
It cancels subscriptions for you. The free plan finds and tracks your recurring subscriptions. In Premium, Rocket Money's team cancels many of them on your behalf, and its pricing article says "it usually takes the team 2-10 days to cancel a subscription".
It negotiates bills. Its negotiators contact providers such as phone, cable and internet companies and ask for a lower rate. If a negotiation fails, there is no fee. If it succeeds, the fee is 35% to 60% of your first year's savings, and you choose the percentage within that range. On Premium+, the pricing article says there is no bill negotiation fee.
It has an AI assistant you text. Rowan is "an AI-powered financial assistant" included with Premium+, and it works by text message, from your phone's messaging app.
Credit where it is due: these are real services with people behind them, and nothing like them exists in Hundo.
How much does Rocket Money cost?Link to this section
Rocket Money has a free plan. Premium uses what Rocket Money calls a "pay what you think is fair" model, "typically ranging from $7 to $14 per month", and the same article says that range is subject to change. Premium+ costs $15 a month. New Premium members get a 7-day free trial.
One detail is easy to miss. Rocket Money's help centre says the website is exclusively available to Premium members, so on the free plan you use the mobile app.
Does Rocket Money work outside the United States?Link to this section
No. Rocket Money's help article Does Rocket Money support international banks? says:
Rocket Money is only available to users located within the United States and with U.S. based banks.
If you live anywhere else, Rocket Money was never on your list, whatever a roundup told you. What to do when no app supports your country is the fuller answer.
Should you leave Rocket Money for Hundo to save money?Link to this section
Not if the cancelling and the negotiating are what you use. Hundo does not cancel subscriptions, does not negotiate bills, and has no bank connection to find recurring charges in. Moving to save a subscription fee would cost you the services you were paying for.
If what you mostly use is the budget and the spending view, the question changes. It becomes how fast an entry goes in when you add it yourself.
What is it like to track your subscriptions yourself in Hundo?Link to this section
When every entry is one you add, two things decide whether an app is worth opening: how fast an entry goes in, and whether it treats currencies properly.
Getting entries in. Open "add transaction" on the day a subscription usually lands and it is already there, marked "Due today", because Hundo ranks suggestions out of your own history. One tap fills the name, the amount, the category and the account. The same goes for a regular bill or a usual amount, or you type the amount first and pick from the merchants that match it. You can also import a CSV, TSV or Excel file with column mapping and duplicate detection. All of that is free. In Pro you can photograph a receipt, forward an email receipt, dictate, or tell the assistant what you spent and confirm its draft. How to keep tracking by hand after the novelty wears off covers the habit side.
Currencies, properly. Each account, asset and budget keeps its own currency, in 166 of them. Each transaction stores the exchange rate for its own date, so old months keep their old rates. Net worth reports in one base currency, and can split a change into the part that was your money and the part that was the exchange rate. What a multi-currency net worth tracker has to get right goes further, and which exchange rate to record covers a card charge in another currency.
What do you give up by leaving Rocket Money for Hundo?Link to this section
- Subscription cancelling. Nobody at Hundo contacts a company for you.
- Bill negotiation. Hundo does not negotiate bills.
- Connected accounts. Hundo has no bank connection, so nothing appears by itself. You type it or import it.
What does Hundo give you instead?Link to this section
- A tracker that is free forever, with nothing capped: unlimited accounts, transactions, budgets and assets.
- Your subscriptions, one tap on the day they land. How to log every expense yourself without it becoming a chore.
- Every currency, with each account, asset and budget in its own.
- Assets beyond cash. Crypto, stocks, funds and precious metals are priced automatically, and you value property and vehicles yourself.
- Your own AI, if you want one. Hundo publishes an MCP server, so Claude, ChatGPT or another client can read your ledger and draft changes that are only written after you confirm. That is part of Pro, which is pay what you want: $36 a year at the minimum, $72 suggested, or $8 a month. How to connect one.
Rocket Money vs Hundo at a glanceLink to this section
| Rocket Money | Hundo | |
|---|---|---|
| Price | Free plan. Premium is "pay what you think is fair", typically $7 to $14 a month. Premium+ is $15 a month | Tracker free forever. Pro is pay what you want from $36 a year (suggested $72), or $8 a month |
| Free option | A free plan, and a 7-day free trial of Premium | The tracker, free forever with nothing capped |
| Bank connection | Yes, US banks only | None |
| Countries | United States only | No country list |
| Currencies | Not published | 166. Each account, asset and budget keeps its own, and each transaction stores the rate for its own date |
| Apps | iOS and Android. The website is for Premium members only | Web app you can install as a PWA. No app-store app |
| AI assistant | Rowan, by text message, in Premium+ | Yes, in Pro |
| MCP server | Not published | Yes, in Pro |
| Subscriptions and bills | Its team cancels subscriptions in Premium, and negotiates bills for 35% to 60% of the first year's savings if it succeeds, with no fee on Premium+ | Does not cancel subscriptions or negotiate bills |
Rocket Money column checked 15 September 2026 against Rocket Money's pricing article and its help centre articles How much does Rocket Money cost?, Bill Negotiation charge explained, Does Rocket Money support international banks?, Rocket Money for desktop and What is Rowan?.
The short versionLink to this section
In the United States, with US banks, and using the cancelling and the bill negotiation? Stay with Rocket Money, because Hundo does neither.
Outside the United States? Rocket Money says it is only for users in the US with US banks.
Holding more than one currency, or happy to add entries yourself if each one takes a tap? An app built for that, in every currency, is the category you are actually shopping in.
Common questionsLink to this section
Does Rocket Money work outside the United States?Link to this section
No. Rocket Money's help centre says it is only available to users located within the United States and with US based banks.
How much does Rocket Money cost?Link to this section
Rocket Money has a free plan. Premium is "pay what you think is fair", typically $7 to $14 a month, Premium+ is $15 a month, and new Premium members get a 7-day free trial. The Hundo tracker is free forever, and Hundo Pro is pay what you want from $36 a year, or $8 a month.
Can Hundo cancel subscriptions or lower bills like Rocket Money?Link to this section
No. Hundo does not cancel subscriptions or negotiate bills, so if those services are what you use Rocket Money for, stay with Rocket Money.
Does Hundo connect to my bank like Rocket Money does?Link to this section
No. Hundo does not connect to banks in any country, so every entry is one you add, and it keeps that quick: suggestions from your own history fill an entry in one tap, a CSV, TSV or Excel file imports in one pass, and in Pro an entry can be photographed, forwarded by email, dictated, or drafted by the assistant and confirmed by you.