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Rocket Money

Personal finance app that finds recurring subscriptions, tracks spending and budgets, and negotiates some bills. Free plan; Premium is pay-what-you-want.

Our take: Rocket Money's best feature is the one in its pitch: link your accounts and it lists every recurring charge, for free.

Best forSubscription tracking
ReviewedPricing: Freemium
7.3 out of 105 criteria · see breakdown
Try RocketFree; Premium $7 to $14/mo (you choose)

Rocket Money (formerly Truebill) is a personal finance app that finds your recurring subscriptions, tracks spending and budgets, and can negotiate some bills for you. The free plan covers subscription tracking and up to 3 budgets in the mobile app. Premium is pay-what-you-want at $7 to $14 a month, and Premium+ costs $15.

The bottom line

A good free subscription audit; pay only if you want deeper budgeting or hands-off cancellation.

Our score

Reviewed by the Conversion Gems editorial team. Hover a facet to focus it; click to pin.Tap a facet to focus it.

Community ratings

Shown for context only. Our score is independent.

Trustpilot
4.0 out of 5
4,200+ reviews

4.0 / 5 aggregate · across 1 source

Third-party ratings shown verbatim; aggregate weighted by review volume.

What it is, and why we rate it

One line each. Open a row for detail.

What it really isA subscription tracker and budgeting app with a paid bill-negotiation service, owned by Rocket Companies.
Our takeRocket Money's best feature is the one in its pitch: link your accounts and it lists every recurring charge, for free.
Budgeting on the free plan is thin (3 category budgets, mobile only), so regular budgeters end up on Premium, where you pick a price between $7 and $14 a month. Bill negotiation is useful but not cheap: outside Premium+, Rocket Money keeps 35% to 60% of the first year's savings.
Why we rate itThe free plan answers the question most users start with (what am I paying for every month) without a card, and Premium lets you set your own price within a fixed range.
The catchBill negotiation takes 35% to 60% of the first year's savings unless you pay $15 a month for Premium+, and free budgeting stops at 3 categories on mobile.

Best / not good for

Best for
  • People with many recurring subscriptions
  • Households that want bills and spending in one app
  • Users who want someone else to cancel subscriptions for them
Not good for
  • Budgeters who want unlimited categories without paying
  • Anyone unwilling to link bank accounts to a third-party app
  • Free users who want to work on a computer (web access is Premium)
Trade-offs

Friction report

Trade-offs to know before signing up.

  1. Time to value
    Fast: link your accounts in the app and recurring charges appear once transactions sync.
  2. Scale breakpoint
    More than 3 category budgets, web access or partner sharing moves you to Premium.
  3. Walled garden
    Transaction exports are listed as a Premium feature.
Still a fit?
If none of these block you, start on the free plan.
Try Rocket

Rocket Money pricing

PlanPriceWhat you get
Free$0Subscription tracking, transaction history, net income tracking, up to 3 category budgets and your credit score. Mobile app only.
PremiumYou choose $7 to $14/monthTeam-assisted subscription cancellation, unlimited budgets and categories, transaction rules, splits and exports, net worth tracking, goals, full credit report monitoring, web access and partner sharing. 7-day free trial for new Premium members.
Premium+$15/monthEverything in Premium, plus the Rowan AI financial assistant and bill negotiation with no added fee
Bill negotiation (Free and Premium)35% to 60% of the first year's savingsOne-time fee, charged only if a negotiation saves you money; you pick the percentage within that range

From Rocket Money's pricing and help pages, checked 3 October 2026. Rocket Money's pricing article is dated January 19, 2026. We found no annual billing option on Rocket Money's own pages.

Frequently Asked Questions

Is Rocket Money really free?

Yes, there is a free plan. It covers subscription tracking, transaction history, net income tracking, up to 3 category budgets and your credit score in the mobile app. Assisted cancellation, unlimited budgets, net worth tracking and web access need Premium (checked 3 October 2026).

How much does Rocket Money cost per month?

Premium is pay-what-you-want: you pick a price between $7 and $14 a month, and new Premium members get a 7-day free trial. Premium+ costs $15 a month. Bill negotiation on Free and Premium costs 35% to 60% of the first year's savings, charged only if it works (checked 3 October 2026).

Is Rocket Money safe to link your bank account?

Rocket Money says it uses TLS and 256-bit AES encryption and, through its partner Plaid, never stores your bank login credentials. It is owned by Rocket Companies (NYSE: RKT). Like any account aggregator, it can read your transactions once you link an account.

What is Rocket Money called now, and who owns it?

Rocket Money is still the current name. It started as Truebill; Rocket Companies acquired Truebill in late 2021 and renamed it Rocket Money in August 2022. Rocket Money, Inc. is a subsidiary of Rocket Limited Partnership, which Rocket Companies wholly owns.

How does Rocket Money bill negotiation work?

Rocket Money contacts providers such as phone, internet or cable companies and asks for a lower rate on eligible bills. If it saves you money, you pay a one-time fee of 35% to 60% of the first year's savings and choose the percentage. Premium+ includes negotiation with no added fee.

Rocket Money alternatives

Other ways to track subscriptions and budgets:

Showing 1–3 of 3See all 7 reviewed Rocket Money alternatives, compared side by side
Sources checked October 3, 2026: Rocket Money pricing article, Rocket Money help: how much does it cost, Rocket Money help: signing up for Premium, Rocket Money FAQ, Rocket Money homepage, Rocket Money vs Monarch Money, Rocket Money vs Copilot.

Conversion Gems independently reviews every tool.

Tags

#RocketMoney#Budgeting#PersonalFinance

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