Clear pricing. No hidden fees. Rocket Money charges to save you money. We don't.
Rocket Money (formerly Truebill) is known for subscription cancellation - but they take a cut of your savings. Warm believes your savings should be yours. We help you find subscriptions to cancel, but we don't charge a percentage.
Rocket Money Pain Points
- Takes 35-60% of savings from bill negotiations
- Variable pricing is confusing ($6-12/month)
- Premium features locked behind expensive tiers
- Aggressive upselling within the app
How Warm Helps
- Find subscriptions to cancel - keep 100% of savings
- Clear, fixed pricing: Free, $5.99/mo, or $24.99/mo
- Most features available on Plus plan
- No upselling - just the features you signed up for
Why Choose Warm Over Rocket
Key advantages that make the difference
Transparent pricing - no percentage of savings taken
Subscription detection included in Plus plan
Cancel link library with 473 services (Pro)
No dark patterns or aggressive upsells
What Makes Warm Different
A calmer approach to personal finance
Clear pricing: Free, $5.99/mo, or $24.99/mo - no confusion
We never take a percentage of your savings
Cancel links for 473 services included in Pro
Spending anomaly alerts catch unusual charges (all plans)
Warm is Best For People Who...
Honest assessment: is Warm right for you?
People tired of confusing, variable pricing
Those who want to keep 100% of their savings
Users who hate aggressive upselling
Anyone who values transparent business practices
Feature Comparison
| Feature | Warm from $0 | Rocket $72-144/yr |
|---|---|---|
| Pricing & Value | ||
| Free tier available
Unique
| | |
| Starts under $60/year | | |
| No account limits | | |
| Transparent pricing | | |
| Platform Availability | ||
| iOS app | | |
| Android app | | |
| Web app | | |
| Account Management | ||
| Bank sync via Plaid | | |
| CSV & OFX import | | |
| Manual transactions | | |
| Auto-categorization | | |
| Smart transaction tags | | |
| Budgeting | ||
| Category budgets | | |
| Merchant-level budgets
Unique
| | |
| Savings goals | | |
| Goal account linking | | |
| Bills & Subscriptions | ||
| Recurring detection | | |
| Bill calendar | | |
| Bill reminders | | |
| Cancel link library
Unique
| | |
| Wealth & Assets | ||
| Net worth tracking | | |
| Investment tracking | | |
| Crypto tracking | | |
| Manual asset tracking | | |
| Analytics & Insights | ||
| Spending by category | | |
| Spending by merchant | | |
| Cash flow analysis | | |
| Financial health score
Unique
| | |
| Spending anomaly alerts
Unique
| | |
| Advanced Features | ||
| Transaction enrichment | | |
| Cash flow forecasting | | |
| Household sharing | | |
| Reports & export | | |
| AI financial assistant | | |
Common Questions
Does Warm charge a percentage of savings like Rocket Money?
No. Warm never takes a cut of your savings. Rocket Money charges 35-60% of money saved through bill negotiations. With Warm, you keep 100% of any savings you achieve.
How does Warm help me cancel subscriptions?
Warm Pro includes direct cancel links for 473 services. Instead of negotiating on your behalf (and taking a cut), we show you exactly where to go to cancel yourself. No middleman fees.
Is Warm pricing clearer than Rocket Money?
Yes. Warm has three simple tiers: Free ($0), Plus ($5.99/mo), and Pro ($24.99/mo). Rocket Money's confusing $6-12/month range depends on what features you enable and can surprise you.
Can Warm detect subscriptions like Rocket Money?
Yes. Warm Plus includes automatic subscription detection using Plaid recurring transaction data. We identify your recurring charges, show monthly costs, and help you track what you are paying for.
Does Warm have aggressive upselling like Rocket Money?
No. Warm shows you what your plan includes and what requires an upgrade, but we do not use dark patterns or push premium features constantly. Our goal is clarity, not conversion.