Rocket Money (formerly Truebill) is built around subscription cancellation and bill negotiation, with tracking as a secondary feature. Capi is a money tracker first. If you want subscriptions audited and cancelled, Rocket wins. If you want clarity on where your money goes, Capi is more direct.
Pick Rocket Money if your primary pain is subscription bloat or wanting bills negotiated for you, and you bank in the us.
Pick Capi if you want a tracker focused on understanding spend, multi-currency support, or couple sharing.
I am the founder of Capi, so this comparison cannot be neutral. I have tried to be fair where the rival is stronger and explicit where Capi is. If you spot a place I got something wrong, write to me and I will correct it.
Rocket Money uses a pay-what-you-want slider for Premium, between $6 and $12/month, plus optional bill-negotiation fees (40% of first-year savings). Free tier exists but most useful features are Premium-gated. Capi has a permanent free tier, Core at $9.90/month or $69.90/year, Together at $99/year. Rocket's success fees can add hundreds in a year if it negotiates a major bill down.
Rocket Money's strongest feature is subscription discovery and cancellation. It scans connected accounts, finds recurring charges (often forgotten), and lets you cancel from inside the app. It also does bill negotiation. Capi has no cancellation flow or bill negotiation; it tracks transactions and surfaces patterns. Different products serving overlapping users with different priorities.
No. Rocket is US-only with Plaid sync. Multi-currency users are not the target. Capi supports seven currencies natively, with each transaction committed in its native currency at entry and rolled up to a chosen main currency.
Rocket has no built-in couple feature; couples either share one login or run two separate Premium accounts. Capi Together at $99/year adds per-person attribution, #mine privacy flag, per-person month splits, and joint goal tracking. Together is purpose-built for couples; Rocket isn't oriented to that use case.
Yes via Plaid for US accounts. Outside the US, Rocket is not available. Capi takes CSV and PDF from any bank globally with native installment parsing.
Subscription discovery is the killer feature. It surfaces every recurring charge across your accounts and one-tap cancels the ones you forgot. If you suspect you're paying $80/month on subscriptions you no longer use, Rocket pays for itself in one cancellation. Bill negotiation works for some users; results vary.
Cost transparency (no success fees). Multi-currency. Cross-platform via Telegram. International coverage. Couple support. Permanent free tier. Photo and voice input. The chat advisor that answers spending questions in seven languages.
Run both if subscription cancellation is your main pain: Rocket on Free to audit your subscriptions once, then deprecate it. Use Capi as the ongoing tracker that understands your transactions in context. Or just use Capi and audit subscriptions manually via Capi's recurring-charge insight card; it surfaces them without success fees.
Free forever. No card required. Type a transaction in Telegram, Capi notices the pattern. Multi-currency by default. 7-day trial of Core for the chat advisor.
Start in Telegram