Rocket Money pricing 2026: is it free, and what Premium costs

Rocket Money plans and prices

Rocket Money has three plans: Free, Premium and Premium+. Only Premium+ has a fixed price. The numbers below are exactly as Rocket Money's own pages and the App Store give them, and where they disagree we say so. Rocket Money doesn't publish one price list for all its plans, so the figures come from its cost article, help center and store listings.

Premium shows a dash for monthly and yearly because there isn't one number to give. Rocket Money's help center says you choose what to pay on a sliding scale and that the price can vary by platform.^[3] Its learn article puts it at "typically $7 to $14 per month, subject to change."^[2] The App Store lists Premium purchases from $2.99 to $9.99 with no billing period.^[5] Those three do not line up, so the honest answer to "how much is Rocket Money" is: whatever the slider says when you sign up, and read it twice.

Over a year, $7 to $14 a month works out to $84 to $168 (our arithmetic, not a price Rocket Money lists). Premium+ at $15 a month is $180 a year plus tax.^[3]

What you get free, and what needs Premium

A free plan exists. It links accounts (not in real time), tracks subscriptions but you cancel them yourself, tracks upcoming bills, and shows spending breakdowns.^[2] That covers a lot of looking and not much doing. Here is where the line falls, from the learn article's plan comparison.

• Cancelling subscriptions. On Free you see them and cancel them yourself. On Premium a team cancels them for you, usually in 2 to 10 days.^[2]
• Budgets. Free allows two custom category budgets. Premium allows unlimited custom budgets and categories.^[2]
• Syncing. Free links accounts but not in real time. Premium adds real-time and on-demand syncing.^[2]
• Net worth and goals. Premium only.^[2]
• Transaction tools. Rules, splits, notes, tags, manual transactions and CSV export are Premium.^[2]
• Web access. Desktop web is a Premium feature. The free plan is mobile only.^[2]
• Credit. Free lets you view your credit score; full credit report monitoring is Premium.^[2]

One small inconsistency: the article's text says the free plan has two custom category budgets, while its own table says "up to 3."^[2] We use two, as the text does.

Premium+ is Premium plus Rowan, an AI assistant that works through text messages, and no fee on bill negotiation. The help center also lists access to a high-yield savings account for eligible members.^[3]

The free trial

The help center says new Premium members get a 7-day free trial, then the subscription continues at the price chosen at sign-up. The learn article states no trial.^[2][3] Neither page says whether a card is needed to start the trial, so assume it is, and set a reminder for day 5 or 6. The point of a trial is that you can end it before the first charge; to do that you need the cancel steps below in hand before you start.

The negotiation fee is separate

Bill negotiation is the part of Rocket Money's pricing that surprises people, because it is a share of what you save, not a subscription. The team negotiates cable, phone and insurance bills. If it works, Free and Premium members pay 35% to 60% of the first year's savings, within a range they choose, and nothing if nothing is saved. After the first year you keep 100% of the savings. Premium+ members pay no fee.^[2][3]

An example, our arithmetic: if the team cuts a bill by $300 over the first year and you pick 40%, you pay $120 and keep $180. The tradeoff is simple. You hand over part of the savings in return for not making the phone call. Some App Store reviewers push back on it:

How to cancel Rocket Money Premium

Rocket Money's help article "Managing my Premium membership" gives these steps, read October 27, 2026.^[1]

In the app

1. Open the Settings gear at the top left and choose Membership.
2. Tap Manage Membership, move the slider all the way left to $0/month, and tap Cancel Subscription.
3. Follow the prompts to finish.

On the website

1. Click the Settings gear on the left and choose Membership.
2. Click Manage in the upper right, move the slider to $0/month and choose Cancel Subscription.
3. Complete the prompts.

What happens next, per the same article: cancellation takes effect at the end of your billing cycle and you keep Premium features until then. It doesn't delete your Rocket Money account, active bill negotiations stay in place, and notifications and emails continue unless you change your alert settings.^[1] The article doesn't say how to cancel when Apple or Google bills you, and doesn't describe cancelling Premium+. If you subscribed through an app store, check that store's subscriptions list.

Cancelling is the complaint that shows up most in recent reviews. Many October 2026 App Store reviews describe a higher charge than the one the reviewer chose, or trouble finding where to cancel.^[7]

That is one review, not a count, and it doesn't tell us how common it is. But it's a reason to screenshot the slider before you confirm and to check the first charge. Our guides on cancelling subscriptions list how to stop other services too.

What it costs for two people

Account sharing with a partner is listed as a Premium feature.^[2] Whether the partner needs their own subscription isn't stated on the pages we read, nor is what a partner sees of the other person's accounts.^[2][4] If you each need Premium, double the monthly figure. For a household budget built for two people, see our guide to budgeting for couples.

Rocket Money compared with other apps

The chart is a year of the cheapest paid way to pay on each app's own pages. Every other app on it is a budgeting app first. Rocket Money is a subscription tool first, with budgeting added. So the comparison that matters is less "which is cheapest" than "which job do you need done." See Monarch's pricing and YNAB's pricing for the two biggest paid budgeting apps in detail.

Is Rocket Money worth it?

It depends on what you pay it to do, and a fair read has both sides.

It is worth it if

• You have subscriptions you don't use and want someone else to cancel them. That is the headline Premium feature.^[2]
• You want a bill negotiated and would rather share the savings than make the call.^[2][3]
• You value a large user base: the App Store shows 4.5 stars from 403K ratings and Google Play 4.5 from 141K.^[5][6]

It is less likely to be if

• You want a full budget. The free plan has two custom budgets, and real-time syncing, net worth and goals are Premium.^[2]
• You want a fixed, known price. Premium is a slider, and reviewers describe charges that differ from what they chose.^[2][3][7]
• Bank sync matters most to you. Some reviewers say transactions or subscriptions go missing.^[7]

Our read: use the free plan to see your subscriptions first. If the list shows things you want gone, one month of Premium may pay for itself. If what you want is a budget, compare it with the budgeting apps in Rocket Money alternatives before paying.

Alternatives in short form

• Monarch Money: $14.99/mo or $99.99/yr. A full budgeting and net worth app with a partner included and no free plan. Monarch pricing.
• YNAB: $14.99/mo or $109/yr. A method for giving every dollar a job, with a 34-day trial on its website. YNAB pricing.
• Lunch Money: $10/mo or $100/yr. A web-first budgeting app with rules and tags.
• EveryDollar: Free, or $17.99/mo or $79.99/yr. A zero-based budgeting app with a free tier.
• Wonderful: $14.99/mo or $99/yr for both partners. A budgeting app for couples who keep their own money. See below.

The full list, with what each does differently, is on Rocket Money alternatives.

Where Wonderful fits

We make Wonderful, so weigh this section accordingly. It is not a replacement for what Rocket Money is best known for. Wonderful finds your recurring charges and subscriptions and shows what's due next, but it doesn't cancel them for you, and it doesn't negotiate bills. It has no free plan after a free week, runs only in the browser, and gives no investment advice.

What it does is plan every paycheck, sort every charge and, for two people, split shared costs and keep a running total of who owes whom. One subscription, $14.99 a month or $99 a year, covers both partners. If you came to Rocket Money to cancel subscriptions, it is not the tool. If you came for a budget for two, it might be.