Rocket Money Isn't Available in Australia: What to Use Instead (2026)

Rocket Money doesn't work in Australia. It's only for US residents with US bank accounts, and Plaid, the service it uses to link banks, supports no Australian bank, so you can't link a CommBank, NAB, ANZ or Westpac account.

What you use instead depends on which of Rocket Money's three jobs you wanted: finding and cancelling subscriptions, budgeting, or lowering bills. No Australian app does all three. SubTracker (this site) does the first, for $29 AUD once, and you can run a free scan of a bank statement before you pay. It doesn't budget or negotiate bills; the sections below name what does.

Rocket Money does not support international banks at this time.

How Rocket Money finds subscriptions

Rocket Money finds subscriptions by reading the transactions on the bank accounts and credit cards you link. You link an account by entering your online banking username and password through Plaid, its linking provider, and Rocket Money's help centre says it "automatically detects subscriptions by analyzing transactions from your connected bank accounts and credit cards". Detected subscriptions and bills appear in the app's Recurring tab. You add anything paid by cheque or from an account you haven't linked yourself, and a subscription with no payment in the past month moves to an Inactive list.

SubTracker reads the same kind of transactions from a statement file you export from any Australian bank, with no bank login.

Is Rocket Money available in Australia?

No. Rocket Money's help centre says it "is only available to users located within the United States and with U.S. based banks", and its terms of service say the service is intended only for users in the United States. Plaid, which Rocket Money uses to link accounts, supports banks in the US, Canada, the UK and 17 other European countries, and none in Australia.

Is Rocket Money legit?

Yes, for US users. Rocket Money started as Truebill, which Rocket Companies (the listed US company behind Rocket Mortgage) bought in late 2021 and renamed Rocket Money in August 2022. Rocket Money says more than 10 million people use it, that it never stores your bank login (Plaid handles it), and that it encrypts your data. None of that makes it usable with an Australian bank.

What does Rocket Money cost?

The basic app is free and includes subscription tracking, budgeting and bill reminders. Premium, which adds cancellation by Rocket Money's team, credit reports and real-time syncing, lets you choose your price on a sliding scale that Rocket Money's pricing page puts at typically US$7 to US$14 a month, after a 7-day free trial. Premium+ is a fixed US$15 a month plus tax and adds Rowan, its AI assistant, and bill negotiation with no success fee. Without Premium+, bill negotiation costs 35% to 60% of the first year's savings, charged only if it succeeds.

The Australian answer to each job

Find and cancel forgotten subscriptions

SubTracker does this without a bank login. You export a PDF, CSV or Excel statement from your banking app, upload it, and AI lists your recurring charges, usually in about a minute. Your statement file is deleted as soon as the scan finishes. The results are held for up to 24 hours so you can come back to them, then deleted; only the subscriptions you save are kept. It finds a subscription however it bills you, whether a direct debit, a card charge or a PayPal payment, as long as it's on the statement. It misses anything billed to a card or account you didn't upload. The price is $29 AUD once, with email reminders three days before each charge and no ongoing fee.

If you bank with Westpac, its app finds recurring payments on Westpac cards for free and can cancel eligible subscriptions. Frollo and WeMoney, below, also flag recurring payments on the accounts you link.

Manual trackers do the same job if you'd rather type your subscriptions in: Subtrack on iPhone, iPad and Mac, Revuno on iPhone, and SubPolice on Android, which also reads your notifications to spot renewals. Each is free with a paid upgrade. None is built for Australia, and none sees your bank transactions.

Two free checks catch app-store subscriptions in a few minutes. On iPhone, open Settings, tap your name, then Subscriptions. On Android, open the Play Store, tap your profile, then Payments and subscriptions. Most services (Netflix, Spotify, gyms, news sites, VPNs) bill your card directly and won't appear there. Searching your email for "receipt", "invoice", "renewal" or an amount like "$14.99" finds services that email a confirmation.

Budget and track your spending

Rocket Money's budgeting maps to Australia's open-banking apps, and SubTracker isn't one of them.

Frollo is free, has no ads, and links more than 110 Australian banks and other data holders. It categorises your spending, tracks budgets, goals, bills and net worth, and alerts you when you don't have enough money for an upcoming bill. WeMoney is also free, adds free Equifax and Experian credit scores, and detects recurring expenses including subscriptions; WeMoney Pro costs $9.99 a month or $99 a year. PocketSmith's free plan has manual imports only. Its paid plans add bank feeds and long-range cash-flow forecasts, starting with Foundation at $14.95 a month, or $9.99 a month billed annually, with a 10-year forecast.

Each flags recurring charges as part of watching every transaction, so it doubles as a subscription list. The trade is the one Rocket Money asks for: ongoing access to your accounts. Where your bank offers open banking, Frollo and WeMoney use the Consumer Data Right, which gives them read-only access without your banking password, but it's still a continuous connection rather than one file you upload.

Lower your bills

Rocket Money's bill negotiators work on US bills and can't negotiate an Australian one. In Australia you lower a bill by comparing plans and switching. For energy, the Australian Energy Regulator's free Energy Made Easy compares plans in New South Wales, Queensland, South Australia, Tasmania and the ACT; in Victoria, the Victorian Government's Victorian Energy Compare does the same. One Click Switch is free because energy providers pay it when you switch, and it says it doesn't offer all plans or providers in your area. Switchboard charges you instead (from $60 a year per property), takes no retailer commissions, and compares plans against your actual usage; you then sign up with the retailer yourself. SubTracker does none of this: it tells you what a subscription costs, not whether your power plan is competitive.

Which one you need

To find and cancel subscriptions without a bank login, upload a few months of statements to SubTracker. For automatic budgeting with a bank connection, use Frollo or WeMoney, both free; PocketSmith adds long-range forecasting if you'll pay. To lower your bills, start with Energy Made Easy.