Truebill

Rocket Money, operating at the truebill.com domain, is a consumer personal finance application that consolidates a user's checking, savings, credit card and investment accounts in one place. Its core features include automatic detection and tracking of recurring subscriptions and bills, spending breakdowns by category, balance alerts when a checking account falls below a set threshold or credit spending runs high, and budgeting tools.

Beyond the free tier, the product offers a paid Premium plan that adds assisted subscription cancellation, an automated savings plan that sets money aside based on learned spending habits and aims to help users avoid overdraft fees, net worth tracking, shared accounts and unlimited budgets. Additional features include access to credit reports and credit-score change alerts, and a concierge service that identifies bills that can be reduced and negotiates rates with providers on the user's behalf.

Business model

Freemium consumer subscription: a free account-linking, subscription-tracking and spend-tracking tier, with a paid Premium tier that adds cancellation assistance, automated savings, net worth tracking, shared accounts, unlimited budgets and human support.

Paid Premium subscription plan layered on a free product, alongside a bill-negotiation concierge service.

Traction

The website states the service has more than 10 million members and cites thousands of five-star user reviews.