Vylo vs. Rocket Money.
Brass Tacks: If you want one paid plan for shared household budgets, spending and net worth, go with Vylo. If you’re in the US and want to start with free mobile tracking—or pay for help canceling subscriptions—Rocket Money may be a better fit.
Features
| What you get | VyloEveryday household budgeting | Rocket MoneyFree mobile basics, with more tools in Premium |
|---|---|---|
| Accounts & transactions | Connect supported US and Canadian accounts. Transactions sort into categories automatically. | Connect supported US accounts to follow spending and recurring subscriptions. |
| Your budget | Set monthly category budgets, adjust them as life changes, and see what’s left. | The free plan includes two custom category budgets. Premium adds unlimited custom budgets and categories. |
| Reviewing purchases | Work through purchases that need attention one card at a time. Confirm the category, change it or skip it for later, on web and iPhone. | Open purchases to change their categories. You can also exclude transactions from budgets or from spending reports. |
| Day-to-day guidance | On iPhone, get a daily spending target from your remaining budget after allowing for expected recurring costs. | Follow category budgets and spending alerts, with widgets for monthly or category spending. |
| Looking ahead | On iPhone, see where the month is heading based on spending so far, upcoming costs and your spending pace. Open the breakdown and ignore a cost you don’t expect. | See upcoming subscriptions. Budget setup suggests category amounts from past spending and shows projected savings as you adjust the plan. |
| Subscription help | See charges in your transactions and keep track of them in your household budget. | Track subscriptions on the free plan. Premium adds help canceling unwanted subscriptions. |
| Household sharing | Separate logins and one shared household budget. Unlimited members at no extra cost. | Premium includes one partner, with their own login. Both people share the same accounts and transactions. |
| Net worth | Track cash, investments, property and debts over time, including assets you add manually. | Net-worth tracking is included in Premium. |
| Monthly reviews | Open a completed month to see budget results, category totals, the biggest changes and notable purchases. Dig into the transactions behind the numbers. | Monthly spending reports show category breakdowns and changes in spending, alongside alerts. |
| Where you can use it | Web and iPhone. | iPhone and Android. Full desktop web features require Premium. |
Vylo supports US and Canadian accounts. Rocket Money supports US members and US banks only. This comparison covers its Free and Premium plans.
Pricing
Vylo web plan · Rocket Money Free and Premium
| What you pay | Vylo | Rocket MoneyU.S. only |
|---|---|---|
| Getting started | $7/month $2 for your first month. One plan for your whole household. | $0 For the Free plan. Premium costs extra. |
| Paid plan | $7/month per household after the $2 first month. All Vylo features included. | Premium uses a sliding price selection at signup. Available prices vary by platform and offer. |
| Trying it out | $2 for your first month. This is a paid introduction. | Keep using the Free plan, or try Premium with a seven-day trial. |
| Yearly cost | $79 for your first 12 paid months, then $84 across 12 monthly payments. | Free remains $0. Premium’s total depends on the price and billing option you select. |
| Sharing at home | Unlimited household members included. | One partner included with Premium. Sharing is not included in the Free plan. |
| Bill negotiation | Not a service offered by Vylo. | Separate from Premium pricing: a successful negotiation costs 35–60% of the first year’s savings, based on your selected fee. |
Which one’s right for you?
| What matters to you | Choose Vylo if… | Choose Rocket Money if… |
|---|---|---|
| What you need first | You want shared household budgets and net worth together in one paid plan. | You want a free starting point for mobile spending and subscription tracking. |
| What you’ll pay for | You prefer a fixed monthly price with all Vylo features and household members included. | You want Premium’s subscription-cancellation help or other tools enough to pay for the upgrade. |
| Where you live | You’re in the US or Canada. | You’re in the US. Rocket Money doesn’t currently support Canadian members or banks. |
Sources and details
We’re the team behind Vylo. This comparison uses our current features and Rocket Money’s published documentation, checked September 23, 2026.
Rocket Money: Free and Premium features, pricing, trial and negotiation fees, partner sharing, desktop access, U.S. availability, monthly reports and spending tools, budgets and projected savings, transaction exclusions, spending widgets.
Vylo: transaction review, projected spend and daily guidance, budgets, household sharing, net worth, reports and release notes.
Vylo bills in your local currency: USD in the US and CAD in Canada. Prices exclude taxes. Vylo’s first 12 paid months total $79; after that, 12 monthly payments total $84.
Rocket Money is available in the US. Its Premium prices and billing choices can vary, so we don’t present one advertised offer as a universal price. Check the price, renewal and trial terms at signup. Bill-negotiation charges are separate from subscription fees. This page does not compare Premium+ or other paid tiers.
Found something that has changed? Let us know.