Rocket Money review

Rocket Money started as a subscription finder and still does that job well: every plan, including the free one, lists your subscriptions, shows spending by category and includes a credit score. Budgets, net worth, real-time sync, partner sharing, transaction rules, splitting and exports all sit in Premium, which uses a pay what you think is fair model that Rocket Money says typically ranges from $7 to $14 per month. Premium also adds subscription cancellation help, bill timelines and credit report monitoring, and works on desktop as well as iOS and Android. Premium+ costs $15 per month and adds Rowan, an AI assistant you can text, plus bill negotiation without a success fee. The budgeting tools are simpler than Monarch or YNAB, and the free tier is closer to a subscription tracker than a full budget, but for people whose main leak is recurring charges, it is an easy start.

Who it is for

People who mainly want to find unwanted subscriptions and keep a simple budget on their phone.

Price

Free plan; Premium is pay what you think is fair, typically $7 to $14 per month; Premium+ $15 per month.

a Premium subscription that uses a "pay what you think is fair" pricing model, typically ranging from $7 to $14 per month
Quoted from the vendor pricing page on November 9, 2026.

Key features

• Subscription view on every plan, with cancellation help on Premium
• Unlimited category budgets, payday and calendar views on Premium
• Net worth tracking, real-time sync and partner sharing on Premium
• Credit score on every plan, with credit report monitoring on Premium
• Premium+ adds the Rowan AI assistant and bill negotiation with no success fee

Strengths and weaknesses

• Strength: Free plan shows subscriptions, spending breakdowns and credit score
• Strength: Premium price can be chosen within a range
• Strength: Desktop access and partner sharing on Premium
• Weakness: Free plan has no budgets or net worth
• Weakness: Bill negotiation now requires the $15 Premium+ tier
• Weakness: Premium price varies by platform and over time

Key facts

• Free plan: Yes
• Premium: Pay what you think is fair, typically $7 to $14 per month
• Premium+: $15 per month

Where it ranks

Rocket Money is No. 6 in our Best Budgeting Apps verdict.