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.
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.
A good free subscription audit; pay only if you want deeper budgeting or hands-off cancellation.
A subscription tracker and budgeting app with a paid bill-negotiation service, owned by Rocket Companies.
Rocket 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.
The 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.
Bill 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.
Rocket Money pricing
| Plan | Price | What you get |
|---|---|---|
| Free | $0 | Subscription tracking, transaction history, net income tracking, up to 3 category budgets and your credit score. Mobile app only. |
| Premium | You choose $7 to $14/month | Team-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/month | Everything 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 savings | One-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.
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