Sula vs Rocket Money vs DoNotPay

Three tools that all promise to help you get money back, built on three different business models. The model is the real difference, so start there.

I build Sula, so treat this as what it is: a comparison written by an interested party. Everything below about the other two comes from their own documentation or public records, linked at the bottom. Where they do something better, I say so.

The short version

Rocket Money: strong at subscriptions, expensive on negotiation

Rocket Money is genuinely good at the thing it is known for. It connects to your accounts, finds recurring charges you forgot about, and cancels them for you. If your problem is "I do not know what is charging me every month," it solves that better than Sula does, because Sula does not connect to your bank at all.

The part worth reading carefully is bill negotiation. Rocket Money charges 35–60% of your first year's savings when a negotiation succeeds, and you choose the percentage inside that band. On $300 a year of savings at 40%, that is a $120 one-time fee. Their own help documentation lays this out.

It also requires linking your bank accounts. That is not a criticism, it is how the product finds subscriptions. But it is a real trade: you are handing account access to a third party. Sula cannot do what Rocket Money does here, and it also never asks for that access.

DoNotPay: the FTC case is the thing to know

DoNotPay marketed itself as "the world's first robot lawyer." In September 2024 the FTC filed a complaint alleging those claims were deceptive, and the final order — approved January 2025 — required DoNotPay to pay $193,000, notify subscribers from 2021–2023, and stop advertising that its service performs like a human lawyer without evidence to back it up.

The FTC's specific finding matters more than the dollar figure: the company did not test whether its AI performed at the level of a human lawyer, and did not hire attorneys to check the accuracy of its legal outputs.

This is worth understanding rather than dunking on, because it maps directly onto a design choice. Software that generates legal-sounding documents and files them for you is making a promise about correctness. Sula does not make that promise. It drafts a letter, shows you exactly what it wrote, leaves anything it does not know as a blank, and then stops. You are the one who reads it and sends it.

Where Sula is actually different

No cut, ever. If Sula helps you recover $800, you keep $800. The price is $6 a month whether you recover nothing or thousands. Rocket Money's model means a big win costs you more; Sula's does not.

You hit send. Sula never submits a form, never contacts a company as you, and never acts as your agent. It finds the contact, computes your deadline, drafts the letter, and hands it to you. That is a real limitation — it is more work for you than handing the task off — and it is also why nothing goes out in your name that you have not read.

Deadlines, free. The single most common reason a refund fails is that the window closed. Sula counts down every clock that applies to your charge — the Fair Credit Billing Act's 60 days for credit-card billing errors, Regulation E for debit, the roughly 120-day card-network chargeback window, and the merchant's own return policy. That part costs nothing.

It reads the page you are on. Sula works from the order page, receipt, or billing screen in front of you, so it can quote the merchant's own refund policy back at them. There is no database of you, and no account required for the free tier.

Which one should you use

Honestly, these are not mutually exclusive, and the answer depends on your problem:

• You do not know what is charging you. Rocket Money. It connects to your bank and finds them. Sula cannot do this.
• You want a specific charge refunded. Sula. Deadline, policy, letter, dispute steps — and no cut of what you get back.
• You want someone else to handle it entirely. Rocket Money's negotiation service, with the 35–60% fee understood up front.
• You want to keep control of what gets sent in your name. Sula, by design.

Sources and last checked August 2026: Rocket Money bill-negotiation help · FTC final order, DoNotPay · FTC case file. Pricing and terms change; check each provider before deciding. Rocket Money and DoNotPay are trademarks of their respective owners and are not affiliated with Sula.