Sortlumo vs Rocket Money (formerly Truebill) — honest comparison.
Rocket Money (the app formerly known as Truebill) is built around one promise: connect your accounts and it finds subscriptions, cancels the ones you don't want, and negotiates your bills. It's convenient, but it runs on a bank-aggregator link and monetizes through premium fees and a cut of what it saves you. Sortlumo finds the same forgotten, recurring charges — annualized so you can prioritize — from statement PDFs you upload, with no aggregator and no credentials shared.
TL;DR — Rocket Money links your accounts to find subscriptions and will even cancel them and negotiate bills for you — for a fee, and with an aggregator connection. Sortlumo surfaces the same recurring charges straight from your statement PDFs with no bank linking, but it won't cancel or negotiate on your behalf. Pick Rocket Money for the concierge; pick Sortlumo for privacy and a one-time price.
Where Sortlumo and Rocket Money actually differ.
| Dimension | Sortlumo | Rocket Money |
|---|---|---|
| Bank linking required | Never. Upload PDFs. | Yes, via aggregator. |
| Finds subscriptions | Yes, with annualized cost. | Yes. |
| Cancels subscriptions for you | No — it shows you what to cancel. | Yes (concierge). |
| Bill negotiation | No. | Yes, for a share of savings. |
| Full categorized view | All transactions, 22 categories. | Yes, on the spending tab. |
| Excel export | Included on every plan. | Limited. |
| Privacy posture | No aggregator, encrypted at rest. | Aggregator in the loop. |
| Pricing | Free / $5.75 / $11.58 per month. | Free tier + $6–12/mo premium. |
Pick Sortlumo if…
- You want to catch forgotten subscriptions without linking your bank.
- You'd rather cancel things yourself than share a percentage of the savings.
- You want a categorized Excel export of everything, not just subscriptions.
- You want a flat, predictable price with a real free tier.
Pick Rocket Money if…
- You want the app to cancel subscriptions and negotiate bills for you.
- You want real-time balance and spending alerts.
- You're happy to link accounts for hands-off automation.
- You want credit score and net-worth features in the same app.
Common questions on this comparison.
Does Sortlumo cancel subscriptions like Rocket Money?
No. Sortlumo identifies recurring charges and shows you the annualized cost so you can decide what to cut — but you do the cancelling. Rocket Money offers a concierge that cancels for you, which is its main draw over a tool like Sortlumo.
Can Sortlumo find subscriptions without linking my bank?
Yes. That's the point. It detects recurring monthly, quarterly, and annual charges directly from the statement PDFs you upload — no account connection required.
Is Sortlumo cheaper than Rocket Money premium?
They're comparable. Rocket Money uses pay-what-you-want premium pricing ($6–12/mo) plus a cut of negotiated savings. Sortlumo is a flat $5.75 or $11.58/mo with a free tier and no success fees.
What about bill negotiation?
Sortlumo doesn't negotiate bills. If bill negotiation is what you want, Rocket Money is built for it. Sortlumo is focused on giving you a clear, private view of your spending and recurring charges.