Fulus vs Rocket Money
Rocket Money negotiates your bills, then takes 35-60% of what they saved you. We do the same thing and charge a flat $5. Here's the full picture.
Rocket Money keeps
$210 - $360
per year on a $50/mo cable savings (35-60% of $600)
Fulus keeps
$5
flat fee. You keep $595 of that same $600 savings.
Feature-by-feature comparison
| Feature | Fulus | Rocket Money |
|---|---|---|
| Monthly Price | Free / $9.99 | $3 - $12/mo |
| Bill Negotiation Fee | $5 max (flat) | 35-60% of annual savings |
| AI Assistant | Yes | No |
| Cash Flow Forecasting | Yes | No |
| Debt Payoff Planner | Yes | No |
| Overdraft Prevention | Yes | Limited |
| Family Plan | $14.99/mo (5 members) | Not available |
| Free Tier | Yes (5 bills) | Very limited |
| Trustpilot Rating | 4.8/5 | 4.3/5 |
| Data Selling | Never | Aggregated data sharing |
| Cancellation | 2 clicks, instant | Must contact support |
Why people leave Rocket Money
The 60% fee is outrageous
Rocket Money's negotiation fee is 35-60% of your first year's savings. They frame it as 'you only pay if we save you money' but the math doesn't work. A $600/year saving nets you as little as $240 after their cut.
Premium is required for useful features
The free tier is essentially useless. You need Premium ($6-12/mo) to get bill negotiation, but then they also take a percentage of savings on top of the subscription fee.
No AI assistant, no forecasting
Rocket Money has no AI assistant, no cash flow forecasting, no debt payoff planner. It's a bill tracker that charges premium prices for basic features.
Hard to cancel
Users report having to contact support to cancel, wait for retention offers, and jump through hoops. Fulus: Settings > Cancel > Done. Two clicks.
Switch from Rocket Money in 60 seconds
Import your data, keep your history, and start saving more immediately.
Switch to Fulus Free