Find forgotten subscriptions without giving anyone your bank login
Rocket Money is a big, capable finance app, and it works by linking your bank accounts. If that's the part you'd rather skip, here's an honest comparison and a 20-second quiz to see which one fits you.
Which one fits you? 4 quick questions
Rocket Money vs MoneyShield at a glance
| Rocket Money | MoneyShield | |
|---|---|---|
| How it finds subscriptions | Links to your bank and card accounts and reads transactions | You add what you pay for; nothing is connected |
| Account or login | Yes, you sign up and link accounts | No account, no login |
| Bank connection or email scanning | Bank connection | Neither |
| Where your data lives | In the company's service, synced to your accounts | On your iPhone |
| Beyond subscriptions | Budgets, net worth, credit score, AI assistant on its top plan | Focused only on subscriptions: monthly review, renewal heads-ups |
| Price to start | Free download, paid Premium tiers | Free plan forever, optional Plus with a 7-day trial |
| App Store ratings | 4.5 from about 406,000 ratings | New, not many ratings yet |
Facts from each app's App Store listing, November 2026. MoneyShield is made by Honest Little Apps, the studio behind this page.
Why some people skip bank-linking apps
Linking accounts is what lets apps like Rocket Money spot subscriptions automatically. It's convenient, and it means sharing read access to your transactions with another company. Some people are fine with that. Others would rather type in their ten or so subscriptions once and keep everything on their phone, especially if all they want is to stop paying for things they forgot about.
A practical middle path: look through one month of your bank statement yourself, list every recurring charge, and put them into a private tracker. It takes about 15 minutes, and most people find at least one they meant to cancel.
MoneyShield: Sub Tracker helps you decide which subscriptions to keep, which to cancel first and when renewals are coming. No account, no login, no bank connection and no email scanning: everything stays on your iPhone. Free plan, with an optional upgrade.
Free on the App StoreQuestions
Is there a Rocket Money alternative that doesn't need my bank login?
Yes. MoneyShield tracks subscriptions you add yourself, with no account, no bank connection and no email scanning. The trade-off is that it won't find charges automatically.
Is Rocket Money safe?
Rocket Money is a well-established app with hundreds of thousands of App Store ratings and says it uses bank-level security. Whether you are comfortable linking accounts is a personal choice; this page is for people who would rather not.
Can MoneyShield cancel subscriptions for me?
No. It helps you decide what to cancel and reminds you before renewals, but you cancel in the service itself. Rocket Money offers a cancellation service on its paid plans.
Is MoneyShield free?
Yes, it has a free plan that stays free. There is an optional upgrade with a 7-day trial; nothing is charged unless you choose to upgrade.
Where did these comparison facts come from?
From each app's App Store listing in November 2026. Features and prices change, so check the listing before you decide.
Updated November 11, 2026.
- Sort your subscriptionsList your subscriptions, add what you pay and how often you use each one. See the cost per use, rank them, and find out how much cancelling would save.
- Add up what your subscriptions cost per yearList your subscriptions with what each costs and how often. See the monthly, yearly and five-year totals, ranked from most to least expensive. Nothing uploaded.
- Subscription trackers that don't link your bankEight iPhone subscription trackers compared (4 Nov 2026): which need a bank login, which run on manual entry, and who should pick what.