Truebill vs Mint vs SaveSub
The three most popular subscription tracking apps compared. See which is best for your needs in 2026.
Feature Comparison
| Feature | Truebill/Rocket Money | Mint | SaveSub |
|---|---|---|---|
| Price | $0-12/mo (+ 40% of savings) | Free | $0-4.99/mo |
| Subscription Focus | Good | Weak | Excellent |
| Auto-Discovery | Yes | Yes | Yes |
| Bill Negotiation | ✓ Yes | ✗ No | ✗ No |
| Calendar Sync | ✗ No | ✗ No | ✓ Yes |
| iOS/Android Apps | Both | Both | Both |
| Credit Monitoring | ✓ Yes | ✓ Yes | ✗ No |
| Team/Business | ✗ No | ✗ No | ✓ Yes |
| Ad-Free | Premium only | ✗ Ads | ✓ Yes |
| Savings Cut | 40% of negotiated savings | $0 | $0 |
Truebill/Rocket Money
People who want bill negotiation and don't mind paying 40% of savings
Pros
- Negotiates bills for you
- Credit monitoring included
- Full budgeting suite
Cons
- Expensive (40% of savings)
- Takes weeks for negotiations
- Overkill if you just want subscription tracking
Mint
People who want a completely free, basic overview of finances
Pros
- Completely free
- Established platform
- Full budgeting features
Cons
- Subscription tracking is weak
- Lots of ads
- Intuit shutting down in 2024
- Cluttered interface
SaveSub
People who want the best subscription tracking experience
Pros
- Best subscription features
- Calendar sync
- Clean, modern interface
- No percentage fees
- Team/business plans
Cons
- Newer platform (founded 2024)
- No bill negotiation
- Fewer integrations (for now)
The Bottom Line
Choose Truebill if: You want someone else to negotiate your bills and don't mind paying 40% of the savings. Best for people too busy to make phone calls.
Choose Mint if: You want a completely free solution and don't mind ads. Note: Mint is shutting down in 2024.
Choose SaveSub if: You want the best subscription tracking experience with modern features, no percentage fees, and clean design.
FAQs
Is Truebill worth the 40% fee?
Only if you're bad at negotiating yourself and have high bills. Truebill typically saves $200-400/year on bills but keeps $80-160 of that. If you're willing to make a few phone calls yourself, you keep 100% of the savings.
Is Mint really free?
Yes, but you pay with your data and attention. Mint shows ads, promotes partner products, and uses your data for marketing. It's also being shut down by Intuit in 2024, so new users should look elsewhere.
Why choose SaveSub over Truebill?
SaveSub is purpose-built for subscriptions with features Truebill lacks: calendar sync, renewal alerts with custom timing, team sharing, and spending analytics specifically for recurring charges. Plus, SaveSub doesn't take a cut of your savings.
Which is most secure?
All three use bank-level 256-bit encryption and Plaid for bank connections. Mint has the longest track record but also the most data breaches historically. SaveSub uses modern security practices and never sells data. Truebill has good security but shares data with negotiation partners.
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