Rocket Money review

Rocket Money started from subscriptions rather than budgets, and that still shapes it. The free plan tracks subscriptions, reviews spending and sends bill reminders, which is enough to catch forgotten charges. Budgeting needs Premium, which adds budgets by category, unlimited custom categories, net worth tracking, real-time syncing, a desktop experience, full Experian credit reports using the FICO 2 model, and cancellation services that try to get refunds. Transaction tools cover splitting, tags, notes, rules and manual entries, and you can share the account with a partner. Premium has no fixed price: you pick a monthly amount on a sliding scale after a 7-day trial, and Rocket Money says prices vary by time and platform, so we left its starting price pending. Premium+ costs a fixed $15 a month plus tax and adds the Rowan AI assistant, phone support, access to a high-yield savings account, and bill negotiation with no success fee. Since November 2, 2026, bill negotiation is available only on Premium+.

Who it is for

people who mainly want to find and cut subscriptions

Price

Free plan; Premium is priced on a sliding scale you choose; Premium+ is $15 per month plus tax (USD check pending for Premium).

US price check pending. See the vendor pricing page.

Key features

• Free plan covers subscription tracking, spend reviews and bill reminders
• Premium adds budgets, unlimited categories, net worth tracking and cancellation services
• Full credit reports from Experian using the FICO 2 scoring model in Premium
• Premium+ adds the Rowan AI assistant, phone support and bill negotiation with no success fee
• Account sharing with a partner

Strengths and weaknesses

• Strength: Free plan finds recurring subscriptions without paying
• Strength: Premium price is chosen by the member on a sliding scale
• Strength: Transaction splitting, tags, notes and rules in Premium
• Weakness: Budgets require Premium
• Weakness: Since November 2, 2026, bill negotiation is limited to Premium+ at $15 a month
• Weakness: Premium price varies by time and platform

Key facts

• Free plan: Yes, subscription tracking and bill reminders
• Premium: Sliding scale chosen by the member
• Premium+: $15 per month plus tax
• Premium trial: 7 days

Where it ranks

Rocket Money is No. 7 in our Best Budgeting Apps verdict.