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Wally vs Rocket Money
The short version
Rocket Money is a money app that finds and tracks your subscriptions, with a free plan and paid plans where its team cancels subscriptions and negotiates bills for you. Wally is an AI agent for your money: it watches your accounts and email, and does jobs itself — cancelling subscriptions and asking your bank to refund fees — in a browser you can watch.
Disclosure: we make Wally, so we’re not neutral. Every fact about Rocket Money comes from its own website and is linked below, and this page says when Rocket Money is the better pick.
By Meet PandyaChecked Source: Rocket Money’s website
At a glance
Prices in US dollars. Rocket Money’s column comes from its own website, checked October 2026.
| Wally | Rocket Money | |
|---|---|---|
| Price | iPhone, monthly: $6.99/monthiPhone, yearly: $69.99/year7-day free trialWeb, yearly: $69.99/year | Free: $0[1][2]Subscription tracking, spending insights, up to 3 category budgets, credit score.Premium: $7–$14/month[1][2]You choose what to pay on a sliding scale; Rocket Money says the range is subject to change.Premium+: $15/month plus tax[2][7]Adds Rowan, an AI assistant you text, and — from November 2, 2026 — is the only plan with bill negotiation (no fee).Bill negotiation: 35–60% of first-year savings, until November 2, 2026[1][6][7]From November 2, 2026, bill negotiation is only on Premium+, with no negotiation fee. |
| Free trial | 7 days, on the yearly iPhone plan | 7-day free trial of Premium |
| Platforms | iPhone, Web | iPhone, Android, Web (Premium) |
| Countries | US and Canada | US only |
| Bank connections | Plaid | Plaid |
Features side by side
| Wally | Rocket Money | |
|---|---|---|
| Budgeting | YesBuilds your budget from your own usual spending and shows bills before they charge. | Yes[2]Up to 3 category budgets free; unlimited with Premium. |
| Finds subscriptions and bills | YesFinds subscriptions and bills in your accounts — and in your email, if you connect it. | Yes[3]Finds and tracks recurring subscriptions and bills, on the free plan too. |
| Cancels subscriptions for you | YesCancels in its own browser, which you can watch; you sign in yourself. Starts on the cancel page for about 20 popular services, and works other sites best effort. | Yes[2][8]On Premium, Rocket Money’s team contacts the provider for you; it says this typically takes 2–10 business days. Subscriptions billed through Apple, Google Play, Amazon, Roku or PayPal have to be cancelled there. |
| Bill negotiation | NoWally doesn’t negotiate bills. It flags when a bill goes up, and can cancel a service in its own browser. | Yes[1][6][7]Its negotiators contact providers for you. Until November 2, 2026 the fee is 35–60% of first-year savings; from then, negotiation is Premium+ only, with no fee, and automatic renegotiations end. |
| Asks your bank to refund fees | YesSpots bank fees and can ask your bank’s chat or secure messages for a one-time courtesy refund. Not guaranteed. | Partly[2]On Premium+, Rocket Money says Rowan goes after a charge that shouldn’t be there. |
| Reads your email for bills and trials | YesConnect Gmail or Outlook and Wally finds subscriptions, bills, free trials and returns in your email. Gmail is open to a limited number of accounts for now. | Partly[6]On Premium+, its terms say Rowan can use email content about transactions, subscriptions, bills and receipts if you connect a Google account. |
| AI assistant | YesAsk anything about your money; Wally answers from your own numbers and acts only with your OK. | Yes[2]Rowan, an AI assistant you text, on Premium+ ($15/month). |
| Standing tasks from chat | YesSet a standing task in chat — say, a stock price every 10 minutes — and Wally keeps at it until you say stop. | Not listedNot listed on rocketmoney.com. |
| Net worth | YesEvery account in one place, plus things you add by hand, like a car, a home or cash. | Yes[2]Net worth tracking with Premium. |
| Investment tracking | YesBrokerages connect through Plaid, and Wally follows your investments. | Yes[3]Link investment accounts alongside checking, savings and credit cards. |
| Goals | YesGives every goal a real date. | Yes[2]Financial goals with automated savings, on Premium. |
| Credit score | NoNot offered. | Yes[2]Credit score free; full credit report monitoring with Premium. |
| Share with a partner | YesShare a Family profile with a partner in the iPhone app. | Yes[2]Premium adds a second login for a partner, spouse or financial advisor. |
| Moves money for you | NoRead-only — Wally never moves your money. | Yes[2][3]Automated savings moves money toward your goals (Premium); banking services by nbkc bank. |
When Rocket Money is the better pick
Choose Rocket Money if any of these matter most to you. From its own website:
- A free plan, plus an Android app.[1][2]
- A human team that cancels subscriptions for you on Premium — and, on Premium+, negotiates bills with no fee from November 2, 2026.[2][7]
- A free FICO Score 2 credit score for everyone, and credit report access on Premium.[6]
- Account sharing with a partner or advisor, and automated savings toward goals, on Premium.[2]
- Scale and track record: Rocket Money says it has 10 million+ members.[3]
Where Wally is different
It does the job itself, in a browser you can watch
Ask Wally to cancel a subscription or ask your bank to refund a fee, and it works through the website in its own live browser. You sign in yourself — your password goes to that company, never to Wally — and nothing runs without your OK.
It reads your email, if you connect it
Connect Gmail or Outlook and Wally finds subscriptions, bills, free trials and returns in your email — including ones that haven’t charged your card yet.
It takes tasks from chat
Ask a question about your money and get an answer from your own numbers, or set a standing task and let Wally keep at it on its own clock until you say stop.
Read-only, and paid for by you alone
Wally can see your accounts but can never move money. Your subscription is its only income — no ads, no selling your data, no kickbacks.
Wally’s drawbacks
What Wally doesn’t do, or doesn’t do yet:
- No Android app — Wally is on iPhone and the web.
- No free plan. The free trial is 7 days, on the yearly iPhone plan.
- No credit score or credit report.
- Cancelling works best on about 20 popular services, where Wally starts on the cancel page; on other sites it works best effort. It can’t cancel anything that needs a phone call or a visit.
- Gmail connections are open to a limited number of accounts for now; Outlook works for everyone.
- It’s younger than most apps it’s compared with here, so it has a shorter track record.
- Works with US and Canadian banks only.
Wally, your AI money agent
Try Wally
Connect your accounts read-only through Plaid and ask Wally anything about your money — or give it a job, like cancel my Netflix
or get that overdraft fee back
. Wally works in its own browser where you can watch, you sign in yourself, and nothing runs without your OK.
$6.99 a month on iPhone, or $69.99 a year with a 7-day free trial. On the web, $69.99 a year. See what Wally can cancel.
Read-only — Wally never moves your money.
Wally vs Rocket Money: FAQ
How much does Rocket Money cost compared with Wally?
Rocket Money has a free plan. Premium is pay-what-you-choose — $7 to $14 a month, per Rocket Money’s own pages — and Premium+ is $15 a month plus tax. Until November 2, 2026, bill negotiation on Free and Premium costs 35–60% of the first year’s savings if it works; from that date it’s only on Premium+, with no negotiation fee. Wally is one plan: $6.99 a month on iPhone, or $69.99 a year with a 7-day free trial.
Does Rocket Money cancel subscriptions for you?
Yes, on Premium: Rocket Money’s team contacts the provider for you, which it says typically takes 2–10 business days. It can’t cancel everything — subscriptions billed through Apple, Google Play, Amazon, Roku or PayPal have to be cancelled there. Wally cancels in its own browser while you watch, and you sign in yourself.
Can I use Wally or Rocket Money in Canada?
Wally works in the US and Canada. Rocket Money says it’s only available to users in the United States with U.S.-based banks.
Is there an Android app?
Rocket Money has iPhone and Android apps, and a website for Premium members. Wally is on iPhone and the web.
Sources
- 1.Rocket Money Help Center: How much does Rocket Money cost? · October 14, 2026
- 2.Rocket Money: How much does Rocket Money cost? Free vs. Premium vs. Premium+ · January 19, 2026
- 3.Rocket Money: home page · October 14, 2026
- 4.Rocket Money Help Center: Does Rocket Money support international banks? · October 14, 2026
- 5.Rocket Money Help Center: Rocket Money for desktop · October 14, 2026
- 6.Rocket Money Terms of Service (effective October 2, 2026) · October 2, 2026
- 7.Rocket Money Help Center: Bill Negotiations is moving to Premium+ · September 24, 2026
- 8.Rocket Money Help Center: How long does it take Rocket Money to cancel a subscription? · September 22, 2026
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