Is Rocket Money free?
Rocket Money offers free, Premium, and Premium+ plans. The free plan gives you access to core tools like subscription tracking, spend reviews, and bill reminders.
If you'd like more advanced features, like budgeting and subscription cancellations, you can upgrade or opt in to the Premium and Premium+ plans. Learn more about Rocket Money Pricing!
Premium Membership pricing
The Rocket Money Premium Membership unlocks advanced features such as custom budget categories, Financial Goal plans, credit score tracking, and real-time account syncing.
Cost: You choose what to pay on a sliding scale. These prices can vary at times and across platforms, but are generally offered on a sliding scale to match your needs.
Free trial: New Premium members get a 7-day free trial to explore all the added benefits.
After trial: Once the trial ends, your monthly subscription continues at the price you selected during signup.
Premium membership is designed for members who want more control, customization, and automation in their personal finance app.
Premium+ Membership pricing
The Rocket Money Premium+ Membership includes all Premium features, plus additional benefits:
Cost: Premium+ is a fixed $15/month plus tax.
Rowan by Rocket Money: Get access to an AI-powered financial assistant through text messages.
Bill Negotiation: Bill negotiation is included with Premium+ at no additional cost while your Premium+ membership is active.
High-Yield Savings Account: Eligible members can access the High-Yield Savings Account through the Rocket Money mobile app and can earn interest on their savings.
Premium+ is designed for members who want all Premium features along with additional support and savings tools.
Bill Negotiation service fees
Rocket Money also offers a Bill Negotiation service to help you lower recurring bills like cable, internet, and phone plans.
How it works: Our team negotiates directly with your service providers.
Cost: If we're successful, you'll pay a one-time fee of 35–60% of your first year's savings.
Flexible pricing: You decide what percentage within that range you're comfortable with.
This means you only pay if we actually save you money.