Rocket Money review

Rocket Money is the best app here for plugging leaks. Its free plan links your accounts, tracks spending trends, sends balance alerts and finds recurring subscriptions and bills, which is often where a budget quietly fails. Premium adds the budgeting most people come for, with custom categories and unlimited budgets, plus real-time syncing, net worth, credit score tracking and an automated savings plan. Its standout service is a subscription cancellation assistant that cancels charges for you. Premium uses a pay what you choose model that Rocket Money says typically ranges from $7 to $14 a month, with a 7-day free trial. Premium+ costs a fixed $15 a month and, according to Rocket Money's help center, has been the only plan with bill negotiation since November 2, 2026, alongside its Rowan text assistant. As a budgeting tool it is less deep than YNAB or Monarch, but it is the easiest way to find money you are wasting.

Who it is for

People who suspect forgotten subscriptions and bills are breaking their budget.

Price

Free plan; Premium is pay what you choose, typically $7 to $14 per month; Premium+ is $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, as well as Premium+ subscription that costs $15 per month
Quoted from the vendor pricing page on November 8, 2026.

Key features

• Free subscription tracking, spend tracking and balance alerts
• Premium budgets with custom categories and unlimited budgets
• Subscription cancellation assistant on Premium
• Credit score tracking and net worth on Premium
• Premium+ adds bill negotiation and Rowan, an AI assistant over text

Strengths and weaknesses

• Strength: A free plan that finds recurring subscriptions and bills
• Strength: Staff can cancel subscriptions for you on Premium
• Strength: Sliding scale lets you choose your Premium price
• Weakness: Budgeting with custom categories needs Premium
• Weakness: Bill negotiation now requires the $15 Premium+ plan
• Weakness: Premium prices vary by time and platform

Key facts

• Free plan: Yes, subscription and spend tracking
• Premium price: Pay what you choose, typically $7 to $14 per month
• Premium+ price: $15 per month plus tax
• Free trial: 7 days for Premium
• Platforms: iOS, Android; desktop on Premium

Where it ranks

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