---
title: "How Much Does Rocket Money Cost? 2026 Pricing | Candor"
description: "Rocket Money is free to use, Premium costs $7 to $14 a month at a price you pick, and Premium+ is $15. The trial, bill negotiation fee, and renewal explained."
url: "https://candor.money/rocket-money-cost"
updated: "2026-11-11"
---

# How much does Rocket Money cost?

Updated 2026-11-11. Canonical page: https://candor.money/rocket-money-cost

Rocket Money's basic plan costs nothing. Premium costs $7 to $14 a month, and you pick the price on a slider. Premium+ costs a fixed $15 a month plus tax. New Premium members usually get a 7-day free trial, and after it the membership renews each month at the price you chose. These are Rocket Money's prices as of November 9, 2026. If what you want is help with subscriptions and a plan for the rest of your money, the AI agent you already use can do that with Candor.

## How it works with your agent

1. Create a Candor account. 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. Or try it free with your history from Monarch, YNAB, Copilot, or your bank.
2. Copy one setup message into Claude, ChatGPT, or your agent, and approve its access.
3. Ask what's recurring. Your agent reads your charges in Candor and spots price increases and duplicates.
4. With your okay, your agent cancels, asks for a refund, or writes to the provider, and Candor keeps a note to check the next bill.

## 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 plans and Candor, checked November 9, 2026. Yearly costs are the monthly price times 12.:

|  | Price | What you get |
| --- | --- | --- |
| Rocket Money basic | $0 | Linked accounts, a spending breakdown, your subscriptions, a credit score, and balance alerts |
| Rocket Money Premium | $7 to $14/mo, you choose ($84 to $168/yr) | Its team cancels supported subscriptions, plus real-time sync, unlimited budgets, goals, net worth, transaction export, and the web app |
| Rocket Money Premium+ | $15/mo plus tax ($180/yr) | Everything in Premium, plus Rowan, its AI assistant, and bill negotiation with no success fee |
| Candor | 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. | 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.

## How does Rocket Money's choose-your-price Premium work?

You pick what you pay for Premium on a slider, usually anywhere from $7 to $14 a month, and every price gets the same features. You set it when you upgrade, and you can change it later under Settings, Membership, Manage. Rocket Money says the range can change and can differ between platforms.

With Premium, Rocket Money's team cancels supported subscriptions for you, which it says usually takes 2 to 10 days, and you get real-time sync, account sharing with a partner, unlimited budgets, goals, net worth, credit report monitoring, rules, splits, notes, export, and the web app.

Paying more than the minimum buys nothing extra. If you upgrade only for one cancellation, the lowest price does the same job.

## What is Rocket Money Premium+?

Premium+ is Rocket Money's top plan, at a fixed $15 a month plus tax. It includes everything in Premium, plus Rowan, Rocket Money's AI financial assistant, and bill negotiation for bills such as cable, internet, cell phone, and home security, with no success fee. Since November 2, 2026, new bill negotiations need Premium+.

Premium+ suits someone who has several bills worth negotiating each year. If you have one bill to lower, compare the yearly cost of Premium+ with what the cut would save.

## 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 to cancel Rocket Money](https://candor.money/how-to-cancel-rocket-money)

## 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.

- [How to cancel Rocket Money and delete your account](https://candor.money/how-to-cancel-rocket-money)

## Rocket Money free vs. Premium: which should you choose?

Stay on the free plan if you mainly want to see your subscriptions and spending and will cancel things yourself. Pay for Premium if you want Rocket Money's team to cancel for you, or you want budgets, goals, net worth, and export. Choose Premium+ only if you have bills you want negotiated or want Rowan.

Most subscriptions can be cancelled for free on the provider's own site, so Premium mostly buys you time. List what you would cancel and guess how long it would take you. If that time is worth less to you than a month's fee, skip Premium.

- [Is Rocket Money safe and worth it?](https://candor.money/is-rocket-money-worth-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.

- [Rocket Money alternative: how Candor compares](https://candor.money/rocket-money-alternative)
- [Find forgotten subscriptions with AI](https://candor.money/find-forgotten-subscriptions)

## 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+](https://www.rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost), Rocket Money, 2026-01-19
- [How much does Rocket Money cost?](https://help.rocketmoney.com/en/articles/2217739-how-much-does-rocket-money-cost), Rocket Money
- [How to sign up for Rocket Money Premium](https://help.rocketmoney.com/en/articles/9184529-how-to-sign-up-for-rocket-money-premium), Rocket Money, 2026-09-22
- [Managing my Premium Membership](https://help.rocketmoney.com/en/articles/9095189-managing-my-premium-membership), Rocket Money
- [Bill Negotiations is moving to Premium+](https://help.rocketmoney.com/en/articles/17141357-bill-negotiations-is-moving-to-premium), Rocket Money, 2026-09-24
- [Terms of Service](https://www.rocketmoney.com/terms), Rocket Money, 2026-10-02

## Keep reading

- [How to cancel Rocket Money](https://candor.money/how-to-cancel-rocket-money)
- [Is Rocket Money safe and worth it?](https://candor.money/is-rocket-money-worth-it)
- [Rocket Money MCP and alternatives](https://candor.money/rocket-money-alternative)
- [Monarch vs Rocket Money](https://candor.money/monarch-vs-rocket-money)
- [How much does Monarch Money cost?](https://candor.money/monarch-money-cost)
- [Am I paying for things I don't use?](https://candor.money/explore/subscriptions)
- [Is anything costing more than it used to?](https://candor.money/explore/price-increases)
- [What budget could I actually live with?](https://candor.money/explore/realistic-budget)

## Ask your agent which of your subscriptions are worth keeping.

Bring your accounts into Candor, add it to Claude, ChatGPT, or your agent, and ask what's recurring. You decide what stays, and your agent does the asking. Agents can install Candor themselves from https://candor.money/START.md.