Bill tracking · No Plaid · No account
A Rocket Money alternative
that doesn't want your bank login.
Rocket Money (formerly Truebill) works by reading your bank transactions. That's powerful — and it requires handing over your bank credentials to a third-party aggregator like Plaid. AllPaid takes the other approach: you add bills manually or from a receipt, and the data stays on your phone. No bank login, no aggregator, no subscription cancellation service.
How does AllPaid compare to Rocket Money?
Different approaches, different trade-offs. Here's where the line is.
Bank account access
AllPaid: None. No Plaid, no Yodlee. Bills are added by hand or from receipts on-device.
Rocket Money: Connects to your bank via Plaid; reads transactions to detect bills automatically.
Rocket Money: Connects to your bank via Plaid; reads transactions to detect bills automatically.
Auto-cancellation
AllPaid: No. Shows what you're paying for; you cancel through the provider.
Rocket Money: Offers a paid subscription-cancellation service.
Rocket Money: Offers a paid subscription-cancellation service.
Privacy model
AllPaid: No account, no third-party analytics, no advertising SDKs. See the Privacy Manifest.
Rocket Money: Account required; bank-transaction data flows through their servers.
Rocket Money: Account required; bank-transaction data flows through their servers.
Pricing
AllPaid: Honest paid app, no subscription required for core features.
Rocket Money: Freemium; Premium ranges roughly $4-12/month depending on tier.
Rocket Money: Freemium; Premium ranges roughly $4-12/month depending on tier.
Who should pick AllPaid vs Rocket Money?
Pick AllPaid if…
- You refuse to hand bank credentials to an aggregator on principle
- You only have 10-30 recurring bills/subscriptions — manual entry is a one-time hour
- You want widgets, Siri, and calendar surfacing for due dates
- You'd rather pay once for an app than subscribe to a finance service
- You live outside the US and Plaid coverage is patchy for your bank
Stick with Rocket Money if…
- You want subscriptions detected automatically without manual entry
- You actively use their cancel-on-your-behalf service
- You need budgeting + bill-negotiation in one app
- You've already linked accounts and the workflow fits
About AllPaid
Questions
FAQ
What is the best Rocket Money alternative for iPhone?
AllPaid is a calm, privacy-first iPhone alternative to Rocket Money for tracking bills and subscriptions without linking your bank account. You add bills manually or from a receipt, AllPaid shows due dates in a calendar and widgets, and nothing leaves your device unless you enable optional iCloud sync.
Does AllPaid require my bank login?
No. AllPaid does not use Plaid, Yodlee, or any bank-aggregation service. There is no bank login flow because there is no server reading your transactions — bills are entered manually or detected from receipts on-device.
Does AllPaid help cancel subscriptions like Rocket Money does?
Not automatically. AllPaid shows you what you're paying for and when, so you can cancel through the actual provider yourself. The trade-off is that no third party ever sees your transaction history.
Does AllPaid charge a subscription?
No. AllPaid is sold as an honest paid app with no subscription required for core bill and due-date tracking. Optional Pro features are available, but the basic experience is permanent once unlocked.
Try it
Open AllPaid.
A calmer way to track bills. No bank login. No subscription. No data harvesting.