How much does Rocket Money cost?
Rocket Money has three plans. The basic plan is $0. Premium costs $7 to $14 a month, a price you choose, which is $84 to $168 a year. Premium+ costs $15 a month plus tax, or $180 a year. Prices are from Rocket Money's own pricing guide and help center, checked November 9, 2026, and Rocket Money says the Premium range can change and vary by platform.
So yes, Rocket Money can cost money, but only if you upgrade. Plenty of people use the basic plan to see their spending and subscriptions and never pay.
Rocket Money basic
- Price
- $0
- What you get
- Linked accounts, a spending breakdown, your subscriptions, a credit score, and balance alerts
Rocket Money Premium
- Price
- $7 to $14/mo, you choose ($84 to $168/yr)
- What you get
- Its team cancels supported subscriptions, plus real-time sync, unlimited budgets, goals, net worth, transaction export, and the web app
Rocket Money Premium+
- Price
- $15/mo plus tax ($180/yr)
- What you get
- Everything in Premium, plus Rowan, its AI assistant, and bill negotiation with no success fee
Candor
- Price
- Personal plan with your banks connected: $14.99/mo or $99/yr, 7-day free trial. Or try it free with your history from Monarch, YNAB, Copilot, or your bank.
- What you get
- The AI agent you already use to find and cancel subscriptions and keep a plan for your whole financial life, with a review of what matters most
What does Rocket Money's free plan include?
The basic plan links your bank and card accounts and shows your transactions, a spending breakdown by category, income against spending, your credit score, notifications, and balance alerts, on iPhone and Android. It does not include cancellation by Rocket Money's team, bill negotiation, real-time sync, net worth, goals, transaction rules, splits, or transaction export.
On the basic plan you cancel subscriptions yourself. Rocket Money still shows you what recurs, which is often the part people need.
What does Rocket Money's bill negotiation cost?
On Premium+, nothing beyond the $15 monthly price. Before November 2, 2026, any member could ask for a negotiation, and a successful one cost 35% to 60% of the first year's savings, charged up front and generally not refundable. Negotiations started before then finish under that agreement and are charged as usual if they succeed.
Rocket Money's terms give this example: at a 40% fee, cutting a bill by $10 a month saves $120 over a year, and the fee is $48. Scheduled automatic renegotiations ended a day before the move, on November 1, 2026. If you had a negotiation under way, check the fee you agreed to.
Does Rocket Money have a free trial?
Yes. New Premium members get a 7-day free trial, and Rocket Money says most new users are eligible when they first sign up in the app. When the trial ends, your monthly membership continues at the price you picked, unless you cancel before then.
Whatever price you choose on the slider is what you pay on day 8.
How does Rocket Money billing renew?
Premium and Premium+ renew automatically, monthly or yearly, and Rocket Money charges the card or bank account you gave it. You can cancel at any time in Settings, Membership. Cancelling takes effect at the end of your billing cycle, and you keep Premium until then. Moving from Premium+ down to Premium also takes effect at the end of the cycle.
If Apple or Google bills you for Rocket Money, the subscription is in that store's subscription settings, and that is where you cancel it.
What does Candor cost instead?
Candor's Personal plan connects your US banks, cards, and brokerages, so every account and transaction comes in on its own and Candor always reviews current records. It costs from $8.25 a month on the annual plan ($99 a year), or $14.99 month to month, and its first 7 days are free. You can also try Candor free first. Bring your history over from Monarch, YNAB, Copilot, or your bank. Download your transactions there, and your agent adds your accounts from the file. With Candor, the AI agent you already use finds your subscriptions and price increases and, with your okay, cancels them, asks for refunds, and asks for lower bills, in a browser or by email.
The Personal plan connects your US banks, cards, and brokerages, so every account and transaction comes in on its own and Candor always reviews current records. You can also try Candor free first, with your history from the app or bank you use now.
Your agent works on more than bills. Tell it what you want, like paying off the cards or saving for a house, and it sets up goals from your real accounts and a budget that pays for them. Candor reviews your spending, bills, debt, savings, and investments, and tells your agent what's worth talking through and why. Candor never moves money, and it has no credit score or savings account of its own.
Who should stay with Rocket Money?
Stay if you want a service whose team cancels and negotiates for you, or if the credit score and automatic savings matter to you. Rocket Money has done this work for years, and if calling providers is the part you dread, Premium+ is a fair price for not doing it.
We publish Candor, a competitor, and we did not test a Rocket Money account for this page. Every Rocket Money figure here comes from its pricing guide, terms, and help center, checked November 9, 2026, and listed below.
Common questions
- Does Rocket Money cost money?
- Only if you upgrade. The basic plan is $0. Premium costs $7 to $14 a month at a price you choose, and Premium+ costs $15 a month plus tax, as of November 9, 2026.
- Is Rocket Money free?
- The basic plan is. Premium and Premium+ are paid, and new Premium members usually get a 7-day free trial first. If you want your AI agent to handle subscriptions and a budget instead, Candor is free to try with your history from the app or bank you use now.
- How much is Rocket Money a year?
- Premium works out to $84 to $168 a year, depending on the monthly price you pick, and Premium+ to $180 a year before tax. The basic plan is $0.
- Can I change what I pay for Rocket Money Premium?
- Yes. In the app or on the web, open Settings, choose Membership, then Manage, move the slider to a new price, and select Update Subscription.
- Is Rocket Money Premium worth it?
- It is if its team cancels or lowers things you would otherwise keep paying for, by more than the fee. If you only need the list of subscriptions, the free plan shows it.
- How much does Candor cost?
- Candor's Personal plan connects your US banks, cards, and brokerages, so every account and transaction comes in on its own and Candor always reviews current records. It costs from $8.25 a month on the annual plan ($99 a year), or $14.99 month to month, and its first 7 days are free. You can also try Candor free first. Bring your history over from Monarch, YNAB, Copilot, or your bank. Download your transactions there, and your agent adds your accounts from the file.
Sources
- Rocket Money pricing: what's free vs. Premium vs. Premium+ Rocket Money, January 19, 2026
- How much does Rocket Money cost? Rocket Money
- How to sign up for Rocket Money Premium Rocket Money, September 22, 2026
- Managing my Premium Membership Rocket Money
- Bill Negotiations is moving to Premium+ Rocket Money, September 24, 2026
- Terms of Service Rocket Money, October 2, 2026