Comparison

Rocket Money vs Cost Split Payments

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Rocket Money

This personal finance app helps you manage your money by tracking expenses, creating budgets, and automating savings. It also finds and cancels forgotten subscriptions and negotiates lower rates on your existing bills.

Highlights
  • Cancel forgotten subscriptions
  • Negotiate lower bills
  • Track monthly expenses
  • Create custom budgets
  • Automate savings
  • Monitor net worth
  • Track credit score
Features
Read full description

Join over 10 million members in using Rocket Money, the all-in-one personal finance app. Save more, spend less, see everything, and take back control of your financial life. "One of the best personal finance apps we've tested." - PC Mag KEY FEATURES - Find and cancel forgotten subscriptions - Rowan by Rocket Money your AI-powered financial assistant - Create a monthly budget and track spending by category - Lower your bills and let Rocket Money negotiate on your behalf - Track your monthly expenses and avoid overdrafts - Free budgeting app features to get started immediately - Put your savings on autopilot - Track and grow your net worth - Monitor your credit score - Bank-level security and privacy YOUR ALL-IN-ONE FINANCE APP Rocket Money makes it easier than ever to manage subscriptions, manage your budget, lower your bills, cancel subscriptions, and stay on top of your spending. The app tracks all your accounts so you don't have to – just link them once and let the app handle the rest. MANAGE YOUR SUBSCRIPTIONS ALL IN ONE PLACE Put money back in your pocket by canceling your forgotten subscriptions. Rocket Money instantly finds and tracks your subscriptions, and helps you cancel them within the app with just a few taps. ROWAN BY ROCKET MONEY - AI POWERED FINANCIAL ASSISTANT Rowan by Rocket Money is your new AI powered financial assistant that lives in your text messages. Rowan helps to proactively save you money, send you financial summaries, manage your budget, warn you of price increases, and overall have your back. Rowan is your personal financial concierge that lives in your pocket. Tell Rowan to cancel a subscription you're finished with or lower a bill that crept up, and it takes the whole thing off your plate. Cancellations and negotiations run through structured workflows with human verification, Rowan works to save you time and money. Rowan keeps an eye out between conversations too, catching what you'd otherwise find on the statement, a subscription price increase, a new subscription you didn't know you signed up for, a balance running low, and texts you before it costs you. Built in-house on ten years of Rocket Money data in partnership with Anthropic, so the guidance you get is grounded in your actual accounts, not generic tips. Rowan is included with Premium+. Getting started takes one text. BUDGETING APP THAT WORKS FOR YOUR LIFE Whether you need a personal budget, family budget, home budget, or monthly budget – Rocket Money is the budgeting app that adapts to you. Set up your budget in minutes, track spending automatically, and stay on top of every dollar. Our smart budget tracker categorizes your expenses so you always know where your money is going. CREATE A MONTHLY BUDGET IN MINUTES Stop wondering where your money went. Create a budget that automatically monitors your spending by category and keeps you on track towards your financial goals. Our budget planner makes budgeting simple – set custom spending limits, get alerts when you're close to going over budget, and adjust your budget anytime. FREE BUDGETING FEATURES TO GET STARTED Start budgeting for free with Rocket Money. Track expenses, create a spending tracker, and see your full financial picture at no cost. Our app has free budget features which give you the tools to take control of your money today. TRACK SPENDING & MANAGE MONEY EFFORTLESSLY Our expense tracker and spending tracker give you total visibility into where your money goes each month. Track transactions across all accounts, monitor your budget categories, and make smarter money decisions with real-time insights. GET BETTER RATES ON YOUR EXISTING BILLS Our concierge will identify bills that can be lowered and negotiate on your behalf for the best rates possible. https://www.RocketMoney.com/privacy https://www.RocketMoney.com/terms 8455 Colesville Rd Suite 1645 Silver Spring, MD 20910

About

Cost Split Payments

Effortlessly manage shared expenses with friends, roommates, or travel buddies. This app automates calculations, tracks debts, and categorizes spending, making financial coordination simple and stress-free. Enjoy offline functionality for tracking expenses anytime, anywhere.

Highlights
  • Create and manage groups
  • Log expenses with details
  • Automatic expense calculations
  • Track and settle debts
  • Customizable expense categories
  • Offline expense tracking
Features
Read full description

Splitility: Simplify Expense Sharing Splitility is the ultimate app for managing shared expenses, whether you're planning a trip, splitting rent, or organizing a night out. Say goodbye to awkward money talks and let Splitility do the heavy lifting for you! Key Features: * Create Groups: Quickly set up groups for any shared experience—perfect for friends, roommates, or travel buddies. * Track Expenses: Log expenses effortlessly with detailed descriptions, amounts, and participant selection. * Automatic Calculations: No more messy math! Splitility ensures fair and accurate expense splits. * Debt Management: Instantly see who owes whom and keep things balanced with easy settlement options. * Customizable Categories: Categorize your expenses (food, transportation, entertainment, and more) for better tracking. * Offline Functionality: Track expenses anytime, anywhere—no internet required! Why Choose Splitility? * Intuitive and user-friendly interface. * Works great for everything from road trips to daily expenses. * Keeps your finances organized and relationships stress-free. Download Splitility today and make sharing expenses simple!

Screenshots

Rocket Money4 screens
Cost Split Payments4 screens

Verdict

The call

The clearest difference is review sentiment: Cost Split Payments at 75% against Rocket Money's 34%. Cost Split Payments also leads on ads (none vs shown) and rating (4.7 vs 4.5). Rocket Money's advantage is ratings volume (393K vs 11) and chart position (#3 vs unranked). On price, update cadence, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Rocket Money sells 10 in-app purchases, starting at $2.99 per month and Cost Split Payments sells 4 in-app purchases, starting at $4.99 per 7 days. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Cost Split Payments holds the better App Store score, 4.7 against 4.5. That said, the two scores are not equally well evidenced: Rocket Money has 393K ratings behind it against 11, so its average is the more settled of the two. Written reviews point the same way: 34% of Rocket Money's written reviews are positive against 75% of Cost Split Payments's.

UpkeepUpdate frequency

Rocket Money ships an update weekly, Cost Split Payments fortnightly. The most recent releases landed on September 28, 2026 and September 11, 2026 respectively.

Scorecard5 real differences · 6 level
Rocket Money versus Cost Split Payments: the parameters behind the verdict, then further details
ParameterRocket MoneyCost Split Payments
PriceFreeFree
Rating4.5 (393K ratings)4.7 (11 ratings) — better
Positive reviews34.2% of reviews75.0% of reviews — better
Number of ratings393K — better11
Update frequencyWeekly — betterFortnightly
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
Best chart rank#3 — better—
DevicesiPhoneiPhone, iPad — better
Requires iOS16.416.0 — better
Further details — not scored
Size167 MB35 MB
Age rating4+4+
DeveloperRocket MoneyNadiia Martyniuk

Customer experience

Rocket Money

All ratings392,502 ratings
Positive86.8%
Neutral3.9%
Negative9.3%
Written reviews2,709 reviews
Positive34.2%
Neutral9.0%
Negative56.8%

Cost Split Payments

All ratings11 ratings
Positive90.9%
Neutral0.0%
Negative9.1%
Written reviews4 reviews
Positive75.0%
Neutral0.0%
Negative25.0%

Bugs and requests

Rocket Money

Reported bugs

3 issues
  • App crashes and freezes
  • Inaccurate account balance and transaction tracking
  • Inconsistent or missing subscription/bill cancellation

Requested features

3 requests
  • Ability to create custom budget categories
  • Rollover budgeting feature to carry over unused funds
  • Improved subscription and recurring bill management

Cost Split Payments

Not enough reviews yet to summarise bugs or requests.

In-app purchases

10 purchases

Rocket Money

Subscriptions10
  • Premium$2.991 Month
  • Premium7 Days trial$2.991 Month
  • Premium2 variants$4.991 Month
Show 7 more
  • Premium7 Days trial$4.991 Month
  • Premium$5.991 Month
  • Premium7 Days trial$5.991 Month
  • Premium$6.991 Month
  • Premium7 Days trial$6.991 Month
  • Premium7 Days trial$8.991 Month
  • Premium7 Days trial$9.991 Month
4 purchases

Cost Split Payments

Subscriptions4
  • Weekly Plan3 Days trial$4.997 Days
  • 6 Month3 Days trial$8.996 Months
  • Yearly Plan$17.991 Year
Show 1 more
  • 1 Month$31.991 Month

Questions

Is Rocket Money free?
Rocket Money is free to download, with in-app purchases available.
Is Cost Split Payments free?
Cost Split Payments is free to download, with in-app purchases available.
Which has better reviews, Rocket Money or Cost Split Payments?
Cost Split Payments is rated higher. Rocket Money averages 4.5 out of 5 from 393K ratings, while Cost Split Payments averages 4.7 from 11 ratings.
Do Rocket Money or Cost Split Payments have ads?
Rocket Money shows ads; Cost Split Payments does not.
Which is updated more often, Rocket Money or Cost Split Payments?
Rocket Money ships an update weekly, and Cost Split Payments fortnightly. Most recently, Rocket Money was updated on September 28, 2026 and Cost Split Payments on September 11, 2026.

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