What it does
Rocket Money combines connected accounts, recurring-charge detection and personal spending budgets for adults in the United States. Free mobile access covers basic tracking. Premium adds unlimited budgets, browser access and cancellation assistance; Premium+ adds the Rowan AI assistant and bill negotiation without an added success fee.
The subscription view provides a first pass through recurring commitments. Free members can review detected charges and decide which services to keep. Premium members can also ask Rocket Money's cancellation team to handle supported subscriptions.
Build the spending plan around your bills
In the mobile app, open Settings from the Dashboard and select Manage Budget. Review the monthly income estimate; View Transactions shows which paychecks produced it. Select the bills that belong in the plan and use + Add a Bill for anything missing. Then use + Add a Budget to choose spending categories and adjust their amounts.
The income and spending suggestions are editable. A category limit should reflect your intended spending, even if the historical average is higher.
Free, Premium and Premium+
| Plan | Monthly price | Main access |
|---|---|---|
| Free | US$0 | Mobile account tracking, subscriptions and limited category budgets |
| Premium | Typically US$7 to US$14, chosen within the offered range | Unlimited budgets, cancellation assistance and browser access |
| Premium+ | US$15 | Premium tools, Rowan and bill negotiation with no added success fee |
Applicable tax is extra. Most new Premium users are offered a trial in the app. Your selected membership appears under Settings > Membership.
Bill negotiation has separate terms from subscription cancellation. Before November 2, 2026, Free and Premium members can agree to a fee of 35% to 60% of the first year's negotiated savings. From November 2, new negotiations require Premium+ and have no success fee. Existing negotiations keep their agreed terms. Premium+ accepts one negotiation at a time.
Create a Rocket Money account and connect supported financial accounts to supply the transactions. The service is intended for US users aged 18 or older.
Strengths
- Premium adds transaction splits, notes, manual entries, rules and exports.
- Premium supports sharing account access with a partner.
Watch out for
- Free access is limited to the mobile app and a restricted number of category budgets.
- The service is intended for US adults.
- Premium+ bill negotiation handles one request at a time.
Best for
- US households reviewing subscriptions alongside everyday spending
- People who want optional help cancelling recurring services
Sources
- Rocket Money recurring subscriptions and spending (Oct 27, 2026)
- Rocket Money income, bills and category-budget setup (Oct 27, 2026)
- Rocket Money Premium transaction controls and browser access (Oct 27, 2026)
- Rocket Money free, Premium and Premium+ comparison (Oct 27, 2026)
- Rocket Money Premium+ fee and one-negotiation limit (Oct 27, 2026)
- Rocket Money membership controls and new-user trials (Oct 27, 2026)
- Rocket Money US eligibility and dated negotiation-fee change (Oct 27, 2026)