For Rocket Money refugees
Rocket Money saves you money.
Then takes 35–60% of it.
Rocket Money charges 35–60% of every bill negotiation as a one-time success fee. PILVI tells you how to negotiate yourself — for free. $12.99/month flat. You keep every dollar saved.
Rocket Money — example $300/yr saving
Negotiation success fee (40%)
−$120
Premium subscription
−$84/yr
What you actually save
$96
PILVI — same $300/yr saving
Negotiation success fee
$0
Subscription
$156/yr
What you actually save
$144
Per Rocket Money's own help docs and Terms of Service. Math assumes one $300/yr negotiation at the 40% default fee.
Free to join · $12.99/mo at launch · Cancel anytime · Ohio & Florida first, waitlist for other states
What Rocket Money charges for what they recover.
From Rocket Money's own help documentation and Terms of Service. These are not allegations. These are their published terms.
| Charge | Amount & Basis |
|---|---|
| Premium subscription | $7–14/monthon a sliding scale (user picks within range) |
| Bill negotiation success fee | 35–60%of your first year's projected savings — one-time, charged upfront within 48 hours of success |
| Calculated on what basis | 12 months of projected annualized savings —even if your promotional rate ends in 6 months |
| Refund policy on negotiation fees | Non-refundable, except for documented errors or as required by law |
| Subscription cancellation service | Included in Premium tier |
Sources:Rocket Money help center·Rocket Money Terms of Service
$12.99/month flat. You keep every dollar saved.
PILVI is built for what Rocket Money charges you to do — and adds the forward-looking AI Rocket Money doesn't have.
01
Free bill negotiation guidance
Tell PILVI which bill you want to negotiate. PILVI gives you the exact script, the comparable rates from competitors, and the talking points. You make the call. You keep 100% of the savings.
02
No success fees, ever
PILVI's only revenue is your $12.99/month subscription. PILVI does not take a percentage of your savings, your refunds, or your negotiations. What you save is what you keep — entirely.
03
Predictable pricing
$12.99/month flat. No sliding scale. No "choose what you pay" pressure. No surprise upfront charges based on projected first-year savings.
04
Forward-looking, not just cleanup
Rocket Money tracks what already happened. PILVI runs scenarios on what comes next. Ask "can I afford a car in six months?" and get a math-backed answer.
PILVI versus Rocket Money, line by line.
Same connected accounts. Same subscription audit. Different business model.
| PILVI | Rocket Money | Monarch | |
|---|---|---|---|
| Bill negotiation fee | $0 (free guidance) | 35–60% of savings | Not offered |
| Monthly subscription | $12.99 flat | $7–14 sliding scale | $14.99 |
| Forward-looking scenarios | ✓ | — | Limited |
| Verifiable math | ✓ | — | — |
Up and running in under three minutes.
No manual entry. No spreadsheets. PILVI connects to your real accounts and starts coaching immediately.
01
Connect your accounts
Link bank, credit card, and loan accounts through Plaid in under 30 seconds. Read-only access.
02
PILVI audits your finances
PILVI scans every transaction and identifies recurring fees. Within minutes you have a diagnosis — not a dashboard.
03
Get the script, make the call
For every negotiable bill, PILVI gives you competitor rates and the exact script. You keep all the savings.
04
Decide what comes next
Ask PILVI scenario questions about your future. "Should I pay off the card or save?" Get specific answers.
$12.99/month flat. Done.
Rocket Money: $7–14/mo + 35–60% of every saving. PILVI: $12.99/mo flat. No success fees. No surprises.
per month · cancel anytime
Free to join waitlist · Card required at launch only