Side-by-Side Comparison

LeanBills vs Rocket Money:
Find savings without linking your bank.

Upload a bill. Get a savings report. That's it. No Plaid. No subscription wall. No bank account required.

Feature
LeanBills LeanBills
Rocket Money
Bank account required
No. Just upload a bill photo.
Yes. Requires at least one linked checking account via Plaid.
Subscription required to see savings
No. Full savings report on free tier.
Yes. Premium $6–14/mo — savings are behind the paywall.
Bill categories covered
5 categories: Electric, Gas, Internet, Mobile, Insurance
General subscriptions & bills — not focused on utility rates.
Free tier
Yes. 3 analyses/mo, full savings report, no credit card.
Limited — tracking only. Savings behind Premium paywall.
How it works
Upload a bill photo — done.
Link bank accounts via Plaid — account aggregator.
Cancellation / contingency fees
No. Free tool. No hidden fees.
35–60% of first-year savings on bill negotiation.

Why no bank linking matters

Services that connect to your bank via Plaid need read-only credential storage, breach risk on their end, and your ongoing trust. That's a lot to hand over for a budget tracker. LeanBills takes a different approach: you hand us a bill photo. We give you a savings report. Nothing else touches your finances.

No credential storage

We never see your bank login. Not even read-only access. Your financial credentials stay yours.

No breach exposure

We don't hold a connection to your financial accounts. There's nothing to breach on our side.

No fintech account needed

If you don't want a budgeting app touching your accounts, you don't have to. Just email us a bill.

Works instantly

No onboarding, no Plaid flow, no connection wait. Upload a bill and see your savings in under 60 seconds.

What you actually get

Browse real sample reports across all 5 bill categories. No sign-up required.

Ready to see your savings?

Upload any utility bill. Free report in under 60 seconds. No bank account needed.

Analyze a bill free →

LeanBills is not affiliated with Rocket Money or its parent company. We simply offer a different approach to bill savings.