Bortoh vs Rocket Money
Find problems and fix them.
Rocket Money is great at one thing: finding money you're wasting. The subscription detection is genuinely useful, and the bill negotiation can save real money. If Rocket Money found your forgotten gym membership, it earned its keep.
But Rocket Money takes 35-60% of your first-year savings from bill negotiations — a fee most users don't discover until after. Cancelling Rocket Money itself has become notoriously difficult (200+ BBB complaints). It detects problems but leaves you to actually solve them. And if you live outside the US? It's completely unavailable.
TL;DR
Bortoh is a free AI-powered finance app that detects, analyzes, and helps you act — not just detect. Unlike Rocket Money ($6-12/month, takes 35-60% of negotiation savings), Bortoh includes subscription tracking, AI-powered budgeting, multi-currency support, and transparent pricing. Best for: anyone tired of detection without resolution, or users outside the US.
| Feature | Bortoh | Rocket Money |
|---|---|---|
| AI Chat Assistant | Full (60+ tools) | Support bot only |
| Subscription Detection | Yes | Yes |
| Bill Negotiation | No | Yes (35-60% fee) |
| Multi-Currency | 9 currencies, daily rates | USD only |
| Budget Management | 4 templates (50/30/20, etc.) | Basic |
| Tax-Ready Reports | Yes (deductions, quarterly, export) | No |
| Financial Spreadsheet | Yes (12-month matrix) | No |
| Receipt Scanning | Yes | No |
| Free Tier | Unlimited accounts + transactions | Limited (2 custom budgets) |
| Price | $12.49/mo (annual) | $6-12/mo |
| Platform | Web (any device) | iOS + Android |
| Languages | 14 languages | English only |
Keep the awareness. Lose the fee shock. Bortoh detects your subscriptions and spending patterns just like Rocket Money — but also builds budgets, tracks goals, manages multi-currency accounts, and prepares your taxes. One app that detects AND resolves.
Frequently asked questions
Yes. Bortoh automatically detects recurring charges and flags potentially unused subscriptions. Unlike Rocket Money, there are no fees for this feature.
No. Bortoh focuses on giving you full visibility and control over your finances. We believe informed users make better decisions than outsourcing negotiations to a service that takes a large cut.
Yes. Cancel anytime from your settings page. No phone calls, no retention tactics, no dark patterns. You can also delete your account and all data permanently.
Yes. Bortoh works worldwide with 9 currencies and 14 languages. Rocket Money is US-only.
Bortoh's free tier includes unlimited accounts, transactions, and AI chat. Pro is $12.49/month (annual). Rocket Money charges $6-12/month plus takes 35-60% of bill negotiation savings — costs that are hard to predict upfront.
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