TL;DR: Truebill became Rocket Money and stayed a consumer app: it cancels your gym membership, not your team's unused Figma seats. If you are tracking business subscriptions, LemSubs, Cledara and Spendbase are the closer matches. If you genuinely want personal finance, Monarch and Copilot beat it on reporting.
Truebill was renamed Rocket Money after the acquisition, and most people searching for an alternative are in one of two camps: they want a cleaner personal budgeting app, or they discovered that the tool they installed at home cannot handle company software spend. Those need different products, so this list covers both and says plainly which is which.
Free tier; Premium $6-12/mo, self-selected; 40-60% fee on any bill it negotiates down
| Tool | Price | Best for | Main limitation |
|---|---|---|---|
| LemSubs | Flat monthly, unlimited subscriptions | Small companies tracking software spend, renewals and owners | Business software only — it will not cancel your streaming services |
| Cledara | From ~$300/mo | Finance teams that want a virtual card issued per subscription | Priced for funded companies, not for a five-person team |
| Spendbase | Free tier, paid tiers by spend volume | Discovery plus vendor negotiation as a service | The savings service is where the value sits, so the free tier feels thin |
| Monarch Money | ~$100/yr | Personal and household budgeting with real reporting | No free tier, and no business features at all |
| Copilot Money | ~$95/yr | Apple users who want the best-looking personal tracker | iOS and macOS first; weaker outside the US |
| Quitzy / subscription cancellers | One-off or low monthly fees | One job: cancelling things you forgot about | No ongoing tracking, so the problem returns in six months |
| Rocket Money (formerly Truebill) | Free tier; Premium $6-12/mo | Consumers who want cancellation and negotiation handled for them | Consumer-only, and takes a large cut of negotiated savings |
Built for the business version of the problem: every subscription with a cost, an owner, a seat count and a renewal date, plus an alert before each auto-renewal so you get the negotiation window instead of the invoice. No percentage cut of your savings.
Price: Flat monthly, unlimited subscriptions · Watch out for: Business software only — it will not cancel your streaming services
Issues a dedicated card for each tool, so cancelling is genuinely one click and nothing renews without you seeing it. Excellent control. The price only makes sense once your software spend is well into five figures.
Price: From ~$300/mo · Watch out for: Priced for funded companies, not for a five-person team
Finds your SaaS stack and then negotiates on your behalf. Useful if nobody internally will do the renewal calls, which is usually the real reason the money leaks.
Price: Free tier, paid tiers by spend volume · Watch out for: The savings service is where the value sits, so the free tier feels thin
The most common landing spot for people leaving Rocket Money for personal use. Better budgeting, joint accounts done properly, and no upsell on negotiation fees.
Price: ~$100/yr · Watch out for: No free tier, and no business features at all
Strong automatic categorisation and subscription detection with a genuinely good app. Personal finance only.
Price: ~$95/yr · Watch out for: iOS and macOS first; weaker outside the US
Fine as a one-time clean-up. They do not stop the next set of subscriptions from accumulating, which is what actually costs money.
Price: One-off or low monthly fees · Watch out for: No ongoing tracking, so the problem returns in six months
Still a good consumer app, and worth keeping if that is your use case. The reason people leave is almost always that they needed a business tool and this is not one.
Price: Free tier; Premium $6-12/mo · Watch out for: Consumer-only, and takes a large cut of negotiated savings
LemSubs tracks every business subscription with its owner, seats, cost and renewal date, and warns you before anything auto-renews — so you negotiate on your timetable, not the vendor's.
Who it is not for: LemSubs is not for personal finances, and it does not issue cards or negotiate contracts for you. Rocket Money, Cledara and Spendbase are the honest picks for those three jobs.
Truebill was acquired by Rocket Companies and rebranded as Rocket Money. The app is largely the same consumer product: subscription detection, cancellation and paid bill negotiation.
Yes — business SaaS spend tools such as LemSubs, Cledara and Spendbase. They track owners, seats and renewal dates, which consumer apps like Rocket Money do not.
Spendbase has a free tier for business tracking, and Rocket Money itself keeps a free plan. Most personal alternatives, including Monarch and Copilot, are paid only.
Cancellation is included in Premium, but bill negotiation is charged as a percentage — typically 40-60% of the first year of savings it finds.
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