OmniAccount vs Rocket Money
Beyond subscription
cancellation.
Rocket Money cancels the subscriptions you forgot about. OmniAccount prevents the overspending you're aware of but can't stop.
Rocket Money solves one problem well
If you signed up for Rocket Money (formerly Truebill), you probably wanted help with subscriptions:
- ✓ Find subscriptions you forgot about and cancel them for you
- ✓ Negotiate lower rates on bills (internet, phone, utilities)
- ✓ Basic budgeting and bill tracking in one app
- ✓ Free tier with core subscription tracking
But subscriptions are just one piece of spending:
"We found 3 subscriptions totaling $47/month."
Great. But what about the $400 you overspent on Amazon last month?
- ✗ Reactive, not proactive. Canceling subscriptions saves money on past decisions. It doesn't control future spending.
- ✗ Bill negotiation takes a cut. They keep 30-60% of your first year's savings. You're paying for their service with your savings.
- ✗ Limited budget enforcement. You can set budgets, but nothing stops you from exceeding them.
What if you could control all spending?
OmniAccount doesn't just cancel subscriptions. It enforces your entire budget in real-time.
Rocket Money
"We found 5 subscriptions. Want us to cancel some? We also lowered your phone bill by $15."
OmniAccount
"Your Amazon card has $75 left this month. Transaction for $120 declined. Transfer more funds or wait until next month."
The key differences
Virtual Cards for Every Category
Rocket Money tracks your existing cards. OmniAccount issues new virtual cards for each budget category with automatic spending limits that actually enforce your budget.
Proactive, Not Reactive
Rocket Money finds money you've already wasted. OmniAccount prevents you from wasting it in the first place by enforcing limits before transactions complete.
You Keep All Your Savings
Rocket Money's bill negotiation takes 30-60% of your first year savings. With OmniAccount, the money you save by not overspending is 100% yours.
Family Spending Controls
Rocket Money is designed for individuals. OmniAccount works for couples, kids, and teens with appropriate controls and cards for each family member.
Feature Comparison
Side-by-side: what each platform offers.
Rocket Money
Subscriptions
- ✓ Detection
- ✓ Cancellation service
- ✓ Bill negotiation
Tracking
- ✓ Bank aggregation
- ✓ Credit score
- ✓ Budget alerts
Enforcement
- ✗ Virtual cards
- ✗ Real-time limits
- ✗ Kids accounts
Pricing
Free - $14/mo
7-day trial
OmniAccount
Subscriptions
- ✓ Detection
- ✗ Cancellation service
- ✗ Bill negotiation
Tracking
- ✓ Bank aggregation
- ✗ Credit score
- ✓ Budget alerts
Enforcement
- ✓ Virtual cards
- ✓ Real-time limits
- ✓ Kids accounts
Pricing
$14.99/mo
Founding: $9.99/mo forever
| Feature | Rocket Money | OmniAccount |
|---|---|---|
| Subscriptions & Bills | ||
| Subscription detection | ✓ | ✓ |
| Subscription cancellation service | ✓ Premium | ✗ |
| Bill negotiation | ✓ 30-60% of savings | ✗ |
| Bill reminders | ✓ | ✓ |
| Tracking & Visibility | ||
| Bank account aggregation | ✓ | ✓ |
| Transaction categorization | ✓ | ✓ AI-powered |
| Net worth tracking | ✓ Premium | ✓ |
| Credit score monitoring | ✓ Premium | ✗ |
| Spending reports | ✓ | ✓ |
| Budgeting & Control | ||
| Budget categories | ✓ Unlimited on Premium | ✓ Unlimited |
| Budget alerts | ✓ | ✓ |
| Goals | ✓ Premium | ✓ + AI suggestions |
| Real-time budget enforcement | ✗ | ✓ |
| Transaction blocking at limit | ✗ | ✓ |
| Cards & Control | ||
| Virtual card issuance | ✗ | ✓ |
| Per-category cards | ✗ | ✓ |
| Spending limits on cards | ✗ | ✓ |
| Merchant category blocking | ✗ | ✓ |
| Physical card | ✗ | 1 per member |
| Family | ||
| Account sharing | ✓ Premium | ✓ |
| Kids/teen accounts | ✗ | ✓ |
| Parental controls | ✗ | ✓ |
| Pricing | ||
| Free tier | ✓ Basic features | — |
| Monthly price | $6-14/mo (you choose) | $14.99/mo |
| Founding member price | — | $9.99/mo forever |
| Free trial | 7 days | 30 days |
Which is right for you?
Honest guidance on which platform fits your needs.
Stick with Rocket Money if...
- • Forgotten subscriptions are your main financial leak
- • You want someone to negotiate bills on your behalf
- • A free tier for basic tracking is important to you
- • You need credit score monitoring
- • You don't overspend once you're aware of a budget
Choose OmniAccount if...
- ✓ You overspend on everyday purchases, not just subscriptions
- ✓ You want your budget to physically prevent overspending
- ✓ You have kids or teens who need controlled spending cards
- ✓ You want virtual cards that protect your real account numbers
- ✓ Knowing you overspent isn't enough to change behavior
Frequently Asked Questions
What's the difference between OmniAccount and Rocket Money?
▾
Rocket Money focuses on subscription tracking, bill negotiation, and basic budgeting. OmniAccount provides complete budget enforcement through virtual cards that decline transactions when you hit your limits. Rocket Money cancels subscriptions; OmniAccount controls all spending.
Does OmniAccount negotiate bills like Rocket Money?
▾
No. Rocket Money's bill negotiation service contacts providers to lower your rates, taking 30-60% of first year savings as their fee. OmniAccount focuses on preventing overspending through real-time enforcement rather than negotiating existing bills.
Is Rocket Money free?
▾
Rocket Money has a free tier with basic subscription tracking and bill monitoring. Premium features (like cancellation service, unlimited budgets, web access, and credit score) require a paid subscription of $6-14/month (you choose the price). OmniAccount is $14.99/month or $9.99/month for founding members.
Does Rocket Money have virtual cards?
▾
No. Rocket Money tracks your existing cards and subscriptions but doesn't issue virtual cards. OmniAccount issues virtual cards for each budget category with automatic spending limits that physically prevent you from exceeding your budget.
Can I use both Rocket Money and OmniAccount?
▾
You could use Rocket Money's free tier for subscription detection and bill negotiation while using OmniAccount for budget enforcement. However, OmniAccount also tracks subscriptions, so you'd mainly be keeping Rocket Money for the bill negotiation service.
What about Rocket Money's credit score feature?
▾
Rocket Money Premium includes credit score monitoring through Experian. OmniAccount doesn't offer this feature. If credit monitoring is important to you, you can use a free service like Credit Karma alongside OmniAccount, or keep Rocket Money's free tier just for this purpose.
Ready to control all spending?
Join the waitlist for early access. Founding members lock in $9.99/month forever.
Be first in line when we launch.