Compare

Zedi vs Rocket Money

Rocket Money links your checking account to track subscriptions and lower bills; Zedi starts from your files and shows exactly where money goes.1,2

Facts about Rocket Money come from its own site and were checked October 10, 2026. Each one links to its source below.

Start freeSee all seven apps

Pick Rocket Money if

  • You want help canceling subscriptions and lowering bills.1
  • You are fine linking a checking account through Plaid.2,3
  • You want to see your credit score in the same app.1

Pick Zedi if

  • You would rather not link a bank account to get started.
  • Your money moves through Venmo, and you split costs with friends.
  • You want PDF statements and receipts read line by line for you.
Line by line

Zedi and Rocket Money, side by side.

A check marks a row an app does well. “Not listed” means we looked on its site and could not find it.

Zedi
Rocket Money
Price
What it costs to use.
Free; Pro $5 a month, plus SimpleFIN’s $1.50 a month

Free with your files. Pro is $5 a month to Zedi, and bank sync adds SimpleFIN’s own fee: $1.50 a month or $15 a year, plus tax.

Free; paid plans about $7 to $15 a month

A free plan, Premium at a price you pick (about $7 to $14 a month), or Premium+ at $15 a month. Premium+ adds an AI assistant and drops the bill negotiation fee.1

How data gets in
Bank sync, files or typing.
Files, or read-only sync on Pro

Drop in CSV, PDF or QFX statements, Venmo files and receipt photos. On Pro, accounts can also update on their own: read-only through SimpleFIN, about once a day.

Bank sync through Plaid

Rocket Money links accounts through Plaid, or Akoya for Fidelity. It needs at least one linked checking account.3,2

Your bank login
Where it goes, if anywhere.
Zedi never sees it

Files link nothing. With sync on Pro, you sign in to your bank through SimpleFIN, and MX or the bank holds that login, so Zedi never sees it.

Required; goes to Plaid

You need a linked checking account, and you sign in to your bank through Plaid or Akoya.2,3

Copies and transfers
Duplicate rows and card payments.
Counted once: copies out, card payments paired

Upload the same month twice and any row with the same date, amount and description is left out. Card payments and Venmo cash-outs pair up, so they don’t count as spending or income.

Marks internal transfers

Moves between your own accounts are marked as internal transfers. You keep card payments in Credit Card Payment so they don’t count twice.4

Receipts
What a receipt photo becomes.
Every item gets its own category

Snap a receipt and each item lands in its own category, automatically. Split items with friends, and get 10 free receipt scans a month.

Not listed

Receipt scanning is not in its list of plan features.1

Who owes who
Costs you share with people.
Who owes who, kept for you

Receipt splits, Venmo payments and IOUs you jot down roll into one running balance per person. It’s your record, so friends don’t need an account.

Partner on Premium; split balances not listed

Premium lets you share the account with a partner. Who-owes-who balances with friends are not in its list of plan features.1

Budgets
Plan what you will spend.
Not yet

Not yet. Today Zedi shows exactly where your money went: top categories, and this month next to last month.

Yes: limited free, unlimited on Premium

Set a budget for each category and track spending against it. The free plan has a few category budgets; Premium and Premium+ have no limit.5,1

Ads and your data
What they say about both.
No ads; never sold

No ads and no ad trackers. We make money from Pro, not from your data.

Takes no payment for your data

Rocket Money says it takes no payment of any kind for your personal or financial data.3

Where it runs
Apps and browsers.
Any web browser

Runs in any web browser, on a phone or a computer. There is no app in the app stores.

iPhone, Android; web on Premium

The free plan runs in the iPhone and Android apps. Premium and Premium+ add the web.1

Questions

Zedi or Rocket Money?

Is there a Rocket Money alternative that doesn’t need my bank login?+
Zedi runs on the statements you already download: CSV, PDF or QFX. Bank sync is an optional Pro extra through SimpleFIN, and Zedi never sees your bank login. Rocket Money needs a linked checking account.2
Does Zedi cancel subscriptions?+
No. Zedi does not cancel subscriptions or lower bills. It shows exactly where your money went, so the charges worth cutting are easy to spot.
What does Rocket Money cost next to Zedi?+
Rocket Money has a free plan, Premium at a price you pick (about $7 to $14 a month) and Premium+ at $15 a month. Zedi starts free with your files, and Pro is $5 a month.1

Sources

Pages on Rocket Money’s own site and help center, checked October 10, 2026. Prices and features change, so check them before you decide.

  1. https://www.rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost
  2. https://help.rocketmoney.com/en/articles/10770724-i-don-t-have-a-checking-account
  3. https://www.rocketmoney.com/security
  4. https://help.rocketmoney.com/en/articles/3584527-working-with-credit-card-payments-transfers
  5. https://www.rocketmoney.com/feature/create-a-budget

Know exactly where your money goes.

Start free with one bank file. No ads, and we never sell your data.

Start free