Why Rocket Money?
- Subscription finderSpots recurring charges automatically
- Cancels for youPremium cancels on your behalf
- Bill negotiationLowers phone, internet and cable bills
- Free tierStart without paying
- BudgetsSimple category budgets
- Credit scoreMonitor your score
Overview
Rocket Money (formerly Truebill) is owned by Rocket Companies. It is best known for finding and cancelling subscriptions and for negotiating bills on your behalf.
Budgeting is simpler than Monarch or YNAB, but the savings from cancelled subscriptions can pay for the app quickly.
Pricing
Rocket Money pricing at a glance, as of October 2026.
| Plan | Price (as of October 2026) | What you get |
|---|---|---|
| Free | $0 | Spending and subscription tracking |
| Premium | $6 to $12/mo | Pay what you think is fair |
| Bill negotiation | Share of savings | Charged only if it saves you money |
Pricing note: prices are as of October 2026 in US dollars and can change. Check the app's site before you subscribe.
Try Rocket Money for yourself
Free tier, Premium from $6/month.
Key features
- Subscription tracking: See every recurring charge.
- Cancellation concierge: Premium cancels for you.
- Bill negotiation: Negotiates on your behalf.
- Smart savings: Automatic savings transfers.
- Net worth: Premium feature.
How bill negotiation works
Rocket Money contacts providers to lower your bills. If it succeeds, you pay a share of the first year's savings. If it fails, you pay nothing.
Pros and cons
What we like
- Free tier
- Finds forgotten subscriptions
- Bill negotiation
- Easy to set up
What to watch
- Budgeting is basic
- Negotiation fee is significant
- Upsells to Premium
- Less detailed reports
Who it is for
Pick Rocket Money if your first goal is cutting recurring costs.
Ready to start with Rocket Money?
Best for cutting bills.
Alternatives to Rocket Money
FAQ
Is Rocket Money free?
Yes, with a free tier. Premium is a monthly subscription.
How much does bill negotiation cost?
A share of what you save in the first year, only if it succeeds.
Is Rocket Money safe?
It uses read-only connections to your accounts.
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Not advice: Prices and features change often; check the provider's site before you buy. General information only, not tax, legal or financial advice. Consult a qualified tax professional.