How Much Does Rocket Money Cost? (2026)
App Comparisons · The Subgrove Team · · Updated · 5 min read
Rocket Money costs $0 on its free tier, typically $7 to $14 a month for Premium (you pick the price on a slider), and $15 a month plus tax for the new Premium+ tier. Rocket Money's own pricing explainer describes Premium as a "pay what you think is fair" model "typically ranging from $7 to $14 per month, as well as Premium+ subscription that costs $15 per month." The part that changes your bill most is bill negotiation, and its pricing changes on November 2, 2026.
Here's what each tier costs, what the negotiation fee looks like before and after that date, and what a realistic first year adds up to.
The Three Tiers at a Glance
Rocket Money's FAQ says it "offers 3 different pricing tiers, Free, Premium and Premium+."
| Tier | Price (October 2026) | What it adds |
|---|---|---|
| Free | $0 | Linked accounts, detected subscriptions, spending view, basic budget |
| Premium | Pay what you think is fair, typically $7–14/month | Cancellation services, full credit report, net worth, account sharing, web access |
| Premium+ | $15/month plus tax | Everything in Premium, plus the Rowan AI assistant and, from Nov 2, 2026, bill negotiation with no success fee |
Every tier requires linking a US bank account through Plaid. Rocket Money's help centre says it is "only available to users located within the United States and with U.S. based banks."
What the Free Tier Leaves Out
The free version links your accounts, surfaces recurring charges and shows your spending. For many people that alone is enough to spot a forgotten charge.
Rocket Money's Premium features page lists what's gated: cancellation services ("We'll automatically detect your subscriptions… and can help cancel unwanted services"), full credit reports from Experian, net worth tracking, a customizable dashboard, and account sharing with a partner. It ends: "The above Premium features are not available with the free version of Rocket Money." The website itself is paid too: the desktop help article says "The Rocket Money website will now be exclusively available to Premium members."
So the free tier is a viewer. The "do it for me" features, which are why most people install the app, sit behind the paywall.
Premium: You Choose the Price
Premium is priced on a slider. The help centre's cost article says "You choose what to pay on a sliding scale" and warns that "These prices can vary at times and across platforms." The iPhone listing shows it: the App Store page lists Premium in-app purchases from $2.99 to $9.99, below the $7–14 range quoted on the website.
What that means in practice:
- The features are the same at every price. Paying more on the slider doesn't unlock anything, so most people should pick the lowest number they're offered.
- There's a 7-day free trial for new Premium members, after which "your monthly subscription continues at the price you selected during signup."
- Over a year, $7–14 a month is $84–168.
- Cancelling is the same slider. The membership article says to "Move the slider all the way left to $0/month," and that "Cancellation takes effect at the end of your billing cycle."
Bill Negotiation: Two Prices, Depending on the Date
This is where the real money goes, and the rules are changing.
Until November 1, 2026: a successful negotiation costs a success fee. The fee article says "we'll charge a fee of 35% - 60% of your first year's savings." On a $40/month internet discount ($480 saved in year one), that fee is $168 to $288.
From November 2, 2026: negotiation moves to Premium+ only. The announcement says "submitting new Bill Negotiations will require a Premium+ membership," that Premium+ members get it "with no added success fee," and that "there's no paid, a la carte option." Two more details from the same page:
- Automatic renegotiations end November 1, 2026. After that you choose when a bill gets negotiated again.
- One at a time. "You'll be able to have one negotiation in progress at a time." A negotiation already running "will complete under your current agreement," fee included.
If you'd make the call yourself, you keep 100% of the savings either way. Often that's one phone call to your provider's retention line.
A Realistic First Year
Take someone who wants one bill negotiated ($480 saved in year one) and the subscription features.
| Scenario | Rocket Money cost in year one |
|---|---|
| Free tier only, negotiate yourself | $0 |
| Premium at $7–14/month, negotiate yourself | $84–168 |
| Premium plus one negotiation before Nov 2, 2026 | $84–168 + $168–288 fee = $252–456 |
| Premium+ from Nov 2, 2026 (negotiation included) | $180 plus tax |
Premium+ is cheaper than the old fee on a big win, and pricier than Premium if you never negotiate anything. Year two drops to whatever tier you keep. For the features in more depth, see our Rocket Money review; for the bank-connection question, is Rocket Money safe?
If You Only Want the Reminders
Most of Rocket Money's price pays for detection, cancellation and negotiation. If what you actually want is a list of every subscription and a warning before each renewal, you don't need that machinery.
Subgrove is a manual tracker: you type in your subscriptions, it never connects to a bank, and it sends push and email reminders before every renewal. It's free for up to 5 subscriptions; Pro is $4.99/month or $39/year for unlimited subscriptions, household sharing, free-trial alerts and price-increase alerts, with no cut of any savings.
What you trade away: Subgrove won't find a charge you forgot (though the subscription finder can scan a bank statement in your browser), won't cancel anything for you, and won't call your internet provider. If you'd rather pay once, our guide to one-time-payment subscription trackers covers apps that sell that. For the full field, see Rocket Money alternatives.
Rocket Money Pricing Questions
Is Rocket Money free? Yes, there's a free tier that links accounts and shows detected subscriptions and spending. Cancellation services, full credit reports, net worth and the website are Premium.
How much is Rocket Money Premium a month? You choose on a slider. Rocket Money says it's typically $7–14 a month; the App Store lists Premium in-app prices from $2.99 to $9.99. Features are identical at any price.
What is Rocket Money Premium+? A $15/month (plus tax) tier that adds the Rowan AI assistant and, from November 2, 2026, bill negotiation with no success fee.
Does Rocket Money take a cut of savings? Until November 1, 2026, yes: 35–60% of the first year's savings on a successful negotiation. From November 2, new negotiations need Premium+ and carry no success fee.
How do I stop paying for Rocket Money? In the app, move the Premium slider to $0/month and tap Cancel Subscription. It takes effect at the end of your billing cycle.