Rocket Money
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Rocket Money (formerly Truebill) starts as a free spending and net worth tracker, then adds a money-saving service on top. If you pay the subscription fee, the app will negotiate lower bills on your behalf or cancel unwanted subscriptions, which can justify the cost if you have high recurring expenses. The core tracking features work fine without the premium tier.
It appeals to people who want something free to start with but value the option to get professional help cutting expenses. The combination of visibility plus negotiation assistance makes it practical for budgets with room to optimize.