TAIGA FINANCE$90 / yr or $12 / mo. $60 / yr for founding members, held at renewal
ROCKET MONEYFree plan. Premium $7–14 / mo, you pick; Premium+ $15 / mo
Taiga Finance vs Rocket Money
Rocket Money does a few things for you: finds and cancels subscriptions, negotiates bills for a share of the savings, and moves spare cash into a savings account at its partner bank. The budget is simple, with two categories on the free plan. It is useful the day you connect a bank, and it makes money on the services it sells you.
Taiga Finance is for people who want to manage their money themselves and see all of it. It never moves money and sells nothing but the subscription. It plans the month from both incomes, holds the whole balance sheet including equity compensation, real estate and crypto, projects retirement, college, mortgage and debt payoff from your real balances, and lets you build your own reports. Those numbers each come with a chart, a scenario and the math behind them. Two people share one plan, and either can keep an account separate. Everything is in one price. It is built by a small independent team with no investors. The trade-offs: Rocket Money has native phone apps and a free plan, and it acts on your accounts where Taiga Finance only reports.
Price
Trial
TAIGA FINANCE14 days free, card required
ROCKET MONEY7 days of Premium
Business model
TAIGA FINANCESubscription only. Never moves money
ROCKET MONEYPremium, 35–60% of negotiated savings, loan and insurance offers
Couples
TAIGA FINANCEPartner included. Each account is Separate, Balance only or Joint
ROCKET MONEYOne partner, on Premium. Both see all linked accounts
Bank connections
TAIGA FINANCEPlaid
ROCKET MONEYPlaid; 12,000 institutions
Mobile
TAIGA FINANCEBrowser, on any device; phone apps planned
ROCKET MONEYFull iOS and Android apps
Where Taiga Finance is different.
Taiga FinanceRocket Money
The job
Manage all of your money
Budget, investments, equity comp, real estate, debt, net worth, planners and reports in one place.
Cut this month's bills
Find subscriptions, cancel them, negotiate bills, auto-save. A simple budget on top.
Your money
Read-only, always
Taiga Finance holds no funds, moves nothing and takes no cut of anything.
Moved for you, for a fee
Smart Savings transfers cash to its partner bank. On Free and Premium, bill negotiation keeps 35–60% of the first year's savings.
Budget
Plan the month before it starts
Both incomes at the top; investments and savings funded first, then spending by category, with rollovers.
Two categories and a safe-to-spend number
Bills and spending on the free plan. Unlimited categories on Premium.
Tracking
The whole balance sheet
Holdings and allocation, stock grants with the cost of exercising, home equity over time, crypto, points.
A net-worth total, on Premium
Connected balances added up, with a home value. No holdings detail.
Long-range planning
Five planners on your real balances
Retirement with a simulated range, college, mortgage payoff, debt payoff and home purchase savings.
Savings goals with a date
No projections.
Reports
Build your own
Seven topics, grouped by date, merchant, category, account, recurrence or person, against the previous period. Save the ones you reuse.
Spending Insights
Spending by category and merchant, month by month.
Couples
Share some accounts, keep others separate
A Separate account reaches your partner only as a hidden rollup, so the household totals still add up. Balance only shows the balance and not the transactions.
One shared view, Premium only
A partner sees and manages all linked accounts.
Both detect recurring charges and paychecks, show a safe-to-spend number, connect through Plaid and import CSV. Rocket Money details from its public pages, help center and pricing, checked September 2026.
Where Rocket Money is stronger.
Taiga FinanceRocket Money
Acting on your accounts
Finds them; you cancel
Recurring charges flagged with a confidence level, alerts when a price goes up or a card fee is due. Canceling stays with you.
Cancels and negotiates for you
Cancellation through its team on Premium. A negotiation team, for a cut of the savings.
Free plan
None
A 14-day trial and an open demo account. The subscription is Taiga Finance's only income.
Free tier
Subscription tracking, bill reminders, two budget categories and a credit score at no charge. Net worth, goals and export are Premium.
Credit score
None
Taiga Finance reads your accounts, not the credit bureaus.
Experian score
A FICO score on the free plan; the full report on Premium.
Mobile
Browser only, for now
Taiga Finance runs in the browser, on a phone too, and every page carries its data, reports and planners. Native phone apps are planned, Android first.
Full native apps
iOS and Android, built for a daily glance. The website is a Premium feature.
Choose Rocket Money if…
Subscriptions are the problem and you want them canceled for you.
Free is the deciding factor, and two budget categories are enough.
You want a credit score in the same app.
You'd rather have savings moved for you than plan them yourself.
Choose Taiga Finance if…
You want to see and manage all of your money, not just this month's bills.
You hold options, RSUs, a house or crypto and want them in one net worth.
You want a date on retirement, college or the debt.
You share money with a partner and want some accounts kept separate.
You don't want an app that can move your money or sell you a loan.
Early access opens this autumn, with 14 free days.
Switching from Rocket Money.
One CSV file.01
Connect
Link your banks and cards first so the Rocket Money file has accounts to land in.
02
Export
In Rocket Money, download your transactions as CSV. The file arrives by email, for a desktop.
03
Import
Import the file. Taiga Finance matches accounts and asks you to confirm each category once. Custom merchant names and notes come along.
04
Plan
History in place, duplicates skipped. Set up this month, then the planners.
Asked often.
No, and it never will. It finds recurring charges, tells you when a price goes up or a card fee is due, and leaves the canceling to you. Savings goals are funds inside the accounts you already have, and Taiga Finance moves nothing between them.
You do, by subscription. Taiga Finance has no investors, runs no ads and takes no referral fees. It reads your accounts and never moves money.
Yes. One plan. Planners, reports, equity comp, real estate and a partner login are all in it. There is no premium tier.
Transactions, yes, as one CSV file. Custom merchant names and notes come along, and rows you had ignored arrive as cancelled. Rules and tags don't transfer. Investment holdings come from your brokerage, by connection or file.
Not as a way of working. Taiga Finance plans the month from expected income: investments and savings first, then spending by category, with rollovers. A line can carry its unspent amount into next month, but the app isn't built around envelopes. If strict envelopes are how you work, YNAB is the better fit.
There isn't one yet. Taiga Finance runs in the browser, on a phone too, and every page carries its data, reports and planners. Opt-in alerts for a first charge at a new merchant, a missing paycheck, RSU vesting dates, bill increases, card fees and connection problems arrive as browser notifications. Native phone apps are planned, Android first. If you live in an app on your phone, Rocket Money is stronger today.
Your own numbers, when you ask it a question. It reads your data, writes nothing, and describes rather than advises. Your partner's Separate accounts and private rows are never sent to it. It's on by default; one switch turns every AI feature off.
Everything exports: any table as CSV, the whole account as an archive or JSON, or a Google Sheet kept in sync.
Taiga Finance never moves your money.