Compare
Foundation vs Rocket Money
Rocket Money is built around cutting bills. Foundation is built around the whole plan, with AI.
Price
Budget drafted for you
Import history from another app
Partner or household
Choose Foundation if…
- YesYou want a full budget and plan, not only subscription tracking.
- YesYou want AI answers included, without paying for a higher tier.
- YesYou’d rather pay one flat price, with no fee on anything you save.
- YesYou want your partner in the app at no extra cost.
What you give up with Rocket8
- NoBudget drafted for you
- NoImport history from another app · No CSV import
- PartlyPartner or household · Premium only
- PartlyNo ads or product offers · Part of Rocket Companies
- PartlyAsk questions in plain English · Premium+ only
- PartlyRules · Premium only
- PartlySplit transactions · Mobile app only
- PartlyInvestments · Net worth on Premium
Feature by feature.
Yes YesPartly PartlyNo No
Plans and platforms
- Price
- $60/yr, everything included
- Free tier; Premium $84–$168/yr; Premium+ $180/yr
- Partner or household
- YesPartner included, own sign-in
- PartlyPremium only
- No ads or product offers
- YesPaid by subscribers only
- PartlyPart of Rocket Companies
- Still available
- YesActively built
- Yes
- Web browser
- Yes
- Yes
- iPhone
- Yes
- Yes
- Android
- Yes
- Yes
AI
- Budget drafted for you
- YesDrafted from your last 3 months
- No
- Ask questions in plain English
- YesWith the transactions behind it
- PartlyPremium+ only
- AI categorization
- YesLearns from every fix
- YesAutomatic
Budgeting and planning
- One safe-to-spend number
- YesAfter bills, card and goals
- Yes
- Savings goals
- YesLinked to real accounts
- Yes
Transactions and bills
- Rules
- YesOffered after one fix
- PartlyPremium only
- Split transactions
- Yes
- PartlyMobile app only
- Bills and subscriptions found for you
- YesNext date and amount
- YesIts core feature
- Alerts and weekly recap
- YesEmail alerts and weekly recap
- Yes
Accounts and net worth
- Investments
- YesHoldings, cost basis, gains
- PartlyNet worth on Premium
Your data
- Import history from another app
- YesMint, Monarch, YNAB, Copilot
- NoNo CSV import
- Export to CSV
- Yes
- Yes
Rocket Money details are taken from its public website, help centre and app listings as of September 2026 and may have changed since. Features we couldn’t confirm are left out. Rocket Money is a trademark of its owner, which is not affiliated with Foundation. Sources: rocketmoney.com.
Why people switch.
- 01
One simple price
No tiers and no fees on savings. AI, budgets, goals and investments all come in the one plan.
- 02
More than cutting
Cancelling a subscription saves a little. A plan built around your bills and goals saves more.
- 03
Nothing to upsell
Foundation earns money from subscriptions only. Nothing in the app exists to sell you a loan.
- 04
A real budget
A plan for every bill and goal, drafted from your spending, not only a list of things to cancel.
- 05
Investments too
Holdings, gains, loans and equity sit beside your budget, so net worth isn’t a separate app.
- 06
Built for two
Your partner joins free with their own sign-in, so you both see the same plan and the same numbers.
Switching from Rocket takes ten minutes.
- 1
Connect your banks
Link the same accounts in Foundation: read-only, through Plaid, in a few minutes.
- 2
Subscriptions, found
Bills and subscriptions are detected in the first sync, with the next date and amount.
- 3
Accept a budget
Review the budget Foundation drafts from your recent spending, and tweak what you like.
Questions, answered.
Does Foundation find and track subscriptions like Rocket Money?
Yes. Recurring bills and subscriptions are detected automatically, with the next charge date and amount, and you’ll be told when a price goes up.
Does Foundation negotiate bills?
No. We focus on the budget and the plan, and we don’t take a cut of your savings.
Is Foundation free like Rocket Money?
No. Foundation is $60 a year with every feature included and no ads or offers. Rocket Money has a free tier, with budgeting and AI features in its paid plans.
More comparisons
Build on solid ground.
Connect your accounts and let AI do the rest. $7 a month, your whole household included.