Rocket Money
- Best for: Households with many subscriptions and provider bills they want found, canceled, and negotiated in one app
- What Sets It Apart: Its own staff cancel your subscriptions and negotiate your cable, internet, and phone bills, inside a budgeting app
- Features: Subscription and bill tracking; spending categories; two budgets free, unlimited on Premium; net worth tracking and credit reports on Premium; account linking through Plaid
- Price: Free plan; Premium at a price you choose, typically $7 to $14 a month, after a 7-day free trial; Premium+ $15 a month plus tax, with bill negotiation
- Pros: Free list of your subscriptions and recurring bills; cancels subscriptions for you; no success fee on negotiated savings
- Cons: Can’t cancel subscriptions billed through Apple, Google Play, Amazon, Roku, or PayPal; one negotiation at a time; shares transaction data with Rocket Mortgage and the other Rocket companies
Use Rocket Money if you have more subscriptions and provider bills than you’ll cancel or negotiate yourself, since its paid plans do that work for you. With only a few bills, skip the monthly fee and make the cancellations and calls on your own.
Rocket Money’s free plan finds your subscriptions, but having it cancel them takes Premium, typically $7 to $14 a month at a price you pick, and having it lower your bills takes Premium+ at $15 a month plus tax. A year of either plan runs $84 to $180 before tax, while canceling subscriptions and negotiating your bills yourself costs only your time.
Key Features
- Free plan that tracks your subscriptions, upcoming bills, and spending, with up to two budgets
- Premium, typically $7 to $14 a month after a 7-day free trial, with subscription cancellation, unlimited budgets, net worth tracking, and credit reports
- Premium+, $15 a month plus tax, with everything in Premium and bill negotiation for cable and satellite TV, internet, phone, home security, and satellite radio
- Account linking through Plaid, a bank-connection service, or Akoya for Fidelity accounts, without Rocket Money storing your bank logins
- Formerly Truebill, owned by Rocket Companies since late 2021
Pros
- Free plan gathers your subscriptions and recurring bills in one list
- Cancels subscriptions for you, most within a few business days
- No success fee on negotiations started since November 2, 2026, which used to cost 35% to 60% of the first year’s savings
Cons
- Can’t cancel subscriptions billed through Apple, Google Play, Amazon, Roku, or PayPal
- Negotiates only one bill at a time
- No automatic renegotiation when a negotiated discount runs out, usually after 12 months
- Shares information about your transactions with Rocket Mortgage and the other Rocket companies, with no way to opt out
Households with many subscriptions and provider bills they won’t handle themselves should pay for Premium, and for Premium+ during the months its negotiators work on their bills, since they can drop it at the end of any billing cycle. A household with only a few bills saves the fee by making its own calls and cancellations, and anyone uneasy about Rocket Mortgage and the other Rocket companies receiving their transaction data should look at other budgeting apps.
Learn more about Rocket Money or see how it compares to the best budgeting apps.
Rocket Money
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