Rocket Money needs your bank login. Stackcutify doesn't. 100% local audit for AI tools you forgot you pay for — ChatGPT Plus, Claude, Perplexity, etc. Calculates real burn ($20/week = $86.66/mo, not $80), finds duplicates you pay twice, generates 1-click cancel emails. No data leaves your device. Built for the AI subscription stack that didn't exist when Rocket Money launched.