Rocket Money takes 40% of your savings. BillWin charges a flat fee and you keep every dollar.
BillWinRocket Money
Monthly costFree (beta) / $9–19/mo$7–14/mo + 35–60% of savings
You keep100% of savings40–65% of savings
Bank access requiredNoYes (Plaid)
Works in CanadaYesNo
Generates scriptsYesNo
Live call coachingYesNo
Renewal remindersYes (Pro)No
You make the callYes — full controlNo — they call for you
The math on a $300/year save:
Rocket Money charges 40% = $120 taken from your savings.
BillWin charges $9/mo = $108/year flat.
You save more AND stay in control.