The Rocket Money Alternative That Tracks With AI and Never Sells Your Data

What people are really weighing up when they leave Rocket Money

The subscription-cancelling hook is real, and if that is all you want, Rocket Money does it well. But two things make people look around. The first is data: the Electronic Privacy Information Center filed a complaint arguing Rocket Money’s privacy policy allows more data sharing than its marketing implies. The second is that once you get past the free tier’s handful of budget categories, the useful parts cost a Premium subscription, and everything runs on a live bank connection you may not want to hand over.

Auritrack answers both. You track by chatting or by uploading a statement, so your bank login never leaves your bank. There is a free tier for manual tracking, budgets and storage, and the AI that removes the data entry runs from $3 a month or on pay-as-you-go Auricoins that never expire.

Auritrack vs Rocket Money, side by side

Rocket Money: honest strengths and limitations

Track by chat or statement, without a live bank link

Rocket Money is built around a permanent connection to your accounts. That is what powers its automation, and it is also the part some people are uneasy about. Auritrack works the other way. You type “42 on lunch” and the AI logs and categorizes it, or you upload a bank statement as PDF, CSV or Excel and it reads and sorts every line at once. The result is the same clear picture of where your money went, without a standing link to your bank.

You can also keep an eye on recurring charges yourself with the subscription tracker, which is the job most people hire Rocket Money for in the first place.

Where Rocket Money is genuinely the better tool

Be clear-eyed about this: Auritrack does not cancel your subscriptions for you, and it does not negotiate your bills. Rocket Money does both, and its concierge and negotiation services save some people real money each year. It also has live bank sync and credit score tracking that Auritrack does not offer today. If a hands-off “find and kill my forgotten subscriptions” service is the whole reason you are here, Rocket Money is the tool for that job.

Where Auritrack fits is the everyday tracking and budgeting around it — done by AI, in any currency, with no data-selling and no bank login handed over.