SaaS alternative · Personal Finance
Replace Rocket Money Premium.
One .xlsx file. Paid once.
Rocket Money Premium runs about $12/mo — that's $144/yr for as long as you keep paying. The Subscription & Bill Tracker is one Excel file you pay $7 for once. Over 10 years you keep roughly $1,433.
Side-by-side
| Rocket Money Premium | Subscription & Bill Tracker | |
|---|---|---|
| Cost | $7 once | |
| 10-year cost | $7 | |
| Format | Web app · mobile app | .xlsx file · Excel / Sheets / Numbers |
| Your data lives | On their server | On your computer |
| Works offline | No | Yes |
| Cancel = lose access? | Yes | No — own forever |
| Edit any formula? | No | Yes — every cell |
| Live bank sync | Usually yes | No — manual entry |
| Phone-first workflow | Yes | Limited — desk-and-keyboard |
Honest read: if you mostly use Rocket Money Premium for live bank sync and phone tracking, stay where you are. If you use it for the weekly numbers and dashboards it shows you — the Excel workbook does that part for $7.
What you'd be switching to
Personal Finance · · .xlsx
Subscription & Bill Tracker
Replaces Rocket Money Premium's dashboard (~$12/mo). True monthly and annual cost, non-essential flags, and renewal reminders. (Bank-feed auto-detection not included — search your bank statement once for 'monthly' to seed the list; you keep cancellation control.)
Switch in 3 steps
-
01
Export your data from Rocket Money Premium
Most apps have an export-to-CSV option in Settings. Grab the last 12 months at minimum so your historical trends carry over.
-
02
Paste it into the workbook
Open Subscription & Bill Tracker in Excel, Google Sheets, or Numbers. Drop your CSV into the input sheet. The dashboards recompute automatically.
-
03
Cancel Rocket Money Premium
You're saving ~$144 a year, forever. Your data lives on your computer now.
Things people ask
Will an Excel workbook really do everything Rocket Money Premium does?
No — that's honest. Rocket Money Premium has features a spreadsheet can't match (live bank sync, mobile app, AI assistance). What the workbook does is the core math you actually use weekly. If you're paying $12/mo mostly for features you never open, switching saves you $144/yr. If you genuinely use the platform-specific features, stay where you are.
What's the catch with paying $7 once vs $12/mo?
No catch. The workbook is a .xlsx file you download and own. There's no expiry, no account, no cloud lock-in. You enter your own data manually — that's the friction trade. Over 10 years you'd pay Rocket Money Premium roughly $1,440. The workbook costs $7 once, so you keep ~$1,433.0.
What spreadsheet apps does it open in?
Microsoft Excel, Google Sheets, and Apple Numbers — all three open .xlsx natively. Google Sheets and Apple Numbers are free. You don't need an Excel subscription.
How do I switch from Rocket Money Premium?
Three steps: (1) export your historical data from Rocket Money Premium as CSV, (2) open the gridmoo workbook and paste the data into the input sheets, (3) cancel your Rocket Money Premium subscription. Most users finish the switch in 30–60 minutes.
Why Excel.
You already have it.
It opens offline.
Your data stays on your machine.
Every formula is readable.
No subscription. No login. No platform.
Microsoft Excel, Google Sheets, and Apple Numbers all open .xlsx files for free. Sheets and Numbers are free outright.
What this isn't: a phone app, a quick-tap logger, or a real-time collaboration tool. These are desk-and-keyboard files for weekly reviews and monthly numbers.