Croft vs Rocket Money
Checked . Every fact about Rocket Money on this page comes from Rocket Money's own pages, listed under Sources. Prices and features change, so check their site for the latest.
Croft suits people paying down card and loan debt who want to know what's safe to pay from each paycheck without coming up short before payday. Rocket Money suits people who mainly want to find and keep track of their subscriptions and spending, with help cancelling them.[1]
14 days free, then less than 40¢ a day ($11.99 billed monthly). Card required. Cancel anytime.
Side by side
| Feature | Croft | Rocket Money |
|---|---|---|
| Price | $11.99/month or $89/year. | A free plan. Premium: you choose your price on a sliding scale, $7 to $14 a month. Premium+: $15 a month plus tax.[2][1] |
| Free trial | 14 days free. Card required. Cancel anytime. | 7 days free for new Premium members.[2] |
| Approach | Plans each paycheck: bills and minimum payments first, a cushion in checking, then what's safe to put toward debt. | A personal finance budgeting app: it tracks your spending, helps you manage subscriptions and lower bills, and helps you save. Help cancelling subscriptions comes with Premium.[1][2] |
| Connects to your bank | Yes, read-only through Plaid. Croft can't move money. | Yes, through Plaid.[3][4] |
| Platforms | Web app. | Mobile app and website. Using it in a web browser is listed as a Premium feature.[4][5] |
| Shows what's safe to pay right now | Yes. One number for what can go to debt today, updated whenever anything changes. | Not stated* |
| Shows your lowest balance before payday | Yes. The lowest your checking gets before your next paycheck, and the day. | Not stated*Rocket Money lists balance alerts when your checking account falls below a safe balance.[1] |
| Debt payoff plan with a date | Yes. Every card and loan in one plan, with your debt-free date. | Not stated* |
| Finds your bills automatically | Yes. Croft drafts your bills and paychecks from your checking for you to review. | Yes. It looks for your recurring subscriptions and bills.[1] |
* Not stated: we didn't find this on the Rocket Money pages listed under Sources as of Nov 11, 2026. It may still be offered; check Rocket Money's site.
When Rocket Money may be the better fit
- Your main goal is finding subscriptions you no longer use and getting help cancelling them.[1][2]
- You want someone to negotiate your bills for you. Rocket Money includes bill negotiation with Premium+.[2]
- You want a free plan. Rocket Money's free plan includes subscription tracking and bill reminders.[2]
Questions people ask
How much does Rocket Money cost?
As of Nov 11, 2026, Rocket Money's site lists a free plan, Premium at a price you choose on a sliding scale from $7 to $14 a month, and Premium+ at $15 a month plus tax.
Does Rocket Money have a free trial?
As of Nov 11, 2026, Rocket Money's help center says new Premium members get a 7-day free trial.
Does Croft move my money?
No. Croft connects to your bank through Plaid to read balances and transactions. It can't move money out of your bank or make payments from your accounts. When Croft suggests a payment, you make it yourself at your bank or card issuer.
Is there a free trial?
Yes. Creating your account and setting up cost nothing. Your 14-day free trial starts when you add a card, just before your plan. After that, it's less than 40¢ a day: $11.99 billed monthly, or $89 a year.
Sources, checked
- Rocket Money: Home page: https://www.rocketmoney.com/
- Rocket Money Help Center: How much does Rocket Money cost?: https://help.rocketmoney.com/en/articles/2217739-how-much-does-rocket-money-cost
- Rocket Money Help Center: Is Rocket Money secure?: https://help.rocketmoney.com/en/articles/934647-is-rocket-money-secure
- Rocket Money Help Center: Connecting bank accounts and credit cards: https://help.rocketmoney.com/en/articles/934328-connecting-bank-accounts-and-credit-cards
Rocket Money is a trademark of its owner. Croft isn't affiliated with or endorsed by Rocket Money.
You're not bad with money. You're busy.
14 days free, then less than 40¢ a day ($11.99 billed monthly). Card required. Cancel anytime.
New to Croft? Read what Croft is and how it handles your data.