Rocket Money vs Origin Financial
These apps serve different purposes despite both being 'financial apps.' Rocket Money focuses on saving you money today. Origin focuses on building wealth long-term. Here's how to think about which you need.
Rocket Money
Bill Negotiation & Subscription Tracker
Best for: People drowning in subscriptions who want bills negotiated for them
Pros
- Negotiates bills on your behalf
- Cancels unwanted subscriptions
- Net worth and spending tracking
- Solid mobile experience
Cons
- Takes 30-60% of negotiation savings
- No expense splitting
- Premium features cost extra
- Negotiations can take weeks
Origin Financial
Holistic Financial Planning
Best for: People wanting financial planning with human advisor access
Pros
- Access to certified financial planners
- Comprehensive planning tools
- Equity compensation tracking
- Retirement and goal planning
Cons
- More expensive monthly
- Geared toward higher earners
- No bill negotiation service
- No expense splitting
Feature-by-Feature Comparison
| Feature | Rocket Money | Origin Financial |
|---|---|---|
| Bill Negotiation | ||
| Subscription Tracking | ||
| Financial Planner Access | ||
| Budget Tracking | ||
| Investment Analysis | ||
| Retirement Planning | ||
| Equity Compensation | ||
| Net Worth Tracking | ||
| Expense Splitting | ||
| Free Tier |
The Verdict
These aren't really competitors—they solve different problems. Rocket Money is tactical: lower your bills, cut subscriptions, save money this month. Origin is strategic: plan for retirement, optimize equity comp, build long-term wealth. If you're living paycheck to paycheck, Rocket Money helps more immediately. If you're earning well and need direction, Origin's planners are valuable. Neither helps with shared expenses though—if you split costs with anyone, you'll still need another app. Savida handles everyday budgeting and expense splitting, leaving room for Origin if you need the planning piece.
Why Not Get the Best of Both?
Savida combines budget tracking, expense splitting, and AI coaching in one app. No more switching between apps or paying for multiple subscriptions.