Tact vs Truebill (now Rocket Money)
Truebill (now Rocket Money) takes a cut of your savings. Tact charges a flat price and you keep every dollar — across bills, salary, rent, refunds, and vendor deals.
No success fee. Flat pricing. You keep 100% of what you negotiate.
| Compare | Tact | Truebill |
|---|---|---|
| Pricing model | Flat $5/report or $19/mo | Success fee (~40% of savings) |
| You keep | 100% of what you negotiate | They keep a cut of savings |
| What's negotiated | Bills, salary, rent, refunds, contracts, vendors | Bills & subscription cancellations |
| How it works | You send it — full playbook | They negotiate for you |
| Ready-to-send message | Not provided | |
| Negotiation categories | 16 categories | Bills only |
| First report | Free | Varies |
Is Truebill the same as Rocket Money?
Yes — Truebill was rebranded to Rocket Money in 2022. Both use a success-fee model for bill negotiation, taking a cut of the savings they capture. Tact uses flat pricing instead.
Does Tact take a cut of my savings like Truebill?
No. Tact charges a flat per-report or subscription price — you keep 100% of what you negotiate. Truebill (now Rocket Money) typically takes about 40% of the savings as a success fee.
Can Tact do what Truebill does for subscription cancellation?
Yes. Tact identifies subscriptions you can cancel and gives you the exact message to send. The difference is you send it yourself and keep 100% of the savings — no success fee.
What does Tact offer beyond bill negotiation?
Tact handles salary and job offers, rent and leases, refunds and disputes, and vendor contracts — 16 categories total. Truebill focuses on bills and subscription management.
Is Tact cheaper than Truebill for lowering one bill?
For one bill, Tact is $5 (and your first negotiation is free). A 40% success fee on a $480 annual saving would cost $192 — far more than Tact's flat $5.
Flat pricing, full playbook, no success fee. Your first negotiation is free.
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