Rocket Money, explained
Rocket Money Premium vs Premium+ vs free
The short answer
Free covers tracking: subscriptions, budgets and bill reminders. Premium — pay-what-you-choose, $7 to $14 a month per Rocket Money’s own pages, with a 7-day free trial — adds cancellations by Rocket Money’s team, unlimited budgets, net worth, shared access, automated savings and the website. Premium+ ($15 a month plus tax) adds Rowan, Rocket Money’s AI assistant, and from November 2, 2026 is the only plan with bill negotiation, with no fee.[1][2][3][4][5][6]
By Meet PandyaChecked Source: Rocket Money’s terms and help center
The three plans side by side
| Free | Premium | Premium+ | |
|---|---|---|---|
| Price | $0 | You choose: $7–$14/month | $15/month plus tax[2][7][4] |
| Free trial | — | 7 days for new members | Not stated[1] |
| Track subscriptions and bills | Yes | Yes | Yes[1][8] |
| Rocket Money’s team cancels for you | No | Yes | Yes[8][9] |
| Budgets | A few category budgets | Unlimited | Unlimited[7][8][5] |
| Credit | FICO Score 2 | Score plus credit report | Score plus credit report[5] |
| Net worth, goals and automated savings | No | Yes | Yes[3] |
| Share with a partner or advisor | No | Yes | Yes[3][10] |
| Website access | Settings only | Yes | Yes[11] |
| Rowan, the AI assistant you text | No | No | Yes[8][12] |
| Interest on the High-Yield Savings Account | No | No | Yes (3.55% APY, variable)[5][13] |
| Bill negotiation | 35–60% fee until Nov 2, 2026; then not available | 35–60% fee until Nov 2, 2026; then not available | Included, no fee[5][6] |
Rocket Money’s own pages disagree on the free plan’s budgets: its pricing article says up to three category budgets, its FAQ says up to two. Prices don’t include sales tax, which is added in some states.[7][8][14]
Which one fits
- Free, if you mainly want to see your subscriptions and spending, and you’re happy to cancel things yourself.
- Premium, if you want Rocket Money’s team to cancel for you, or want shared access, net worth and the website.
- Premium+, if you want bill negotiation after November 2, 2026, or Rowan.
Changing or cancelling your plan
- Cancel Premium in the app: Settings, then Membership, then Manage Membership; move the slider all the way to $0 a month, then choose Cancel Subscription. It ends at the end of your billing cycle.[15]
- Paid through Apple or Google? Cancel in the App Store or Google Play instead.[15]
- Moving from Premium+ back to Premium means contacting Rocket Money’s support; the change takes effect at the end of your billing cycle.[4][5]
- Cancelling Premium doesn’t delete your Rocket Money account, and active bill negotiations stay in place.[15]
Where Wally fits
Wally has one plan — $6.99 a month on iPhone, or $69.99 a year with a 7-day free trial ($69.99 a year on the web). There’s no free plan and no bill negotiation; instead, Wally cancels subscriptions in its own browser while you watch, flags price hikes, reads your email for bills and trials if you connect it, and works in Canada as well as the US.
Wally, your AI money agent
Try Wally
Ask Wally cancel my Netflix
and it works through the cancel page in its own browser while you watch — you sign in yourself, and your password goes to the company, never to Wally.
$6.99 a month on iPhone, or $69.99 a year with a 7-day free trial. US and Canada.
Read-only — Wally never moves your money.
FAQ
Is Rocket Money free?
There’s a free plan for tracking subscriptions, budgets and bill reminders. Cancellations by Rocket Money’s team, net worth, shared access and the website need Premium; Rowan needs Premium+.
How much is Rocket Money Premium?
You choose the price on a sliding scale — Rocket Money’s comparison pages give $7 to $14 a month — and the features are the same at any price. New members get a 7-day free trial; after it, you pay the price you picked.
How much is Premium+?
$15 a month plus tax, billed monthly. Rocket Money’s help describes no yearly price for Premium+.
How do I cancel Rocket Money Premium?
In the app: Settings, Membership, Manage Membership, slide to $0 a month, then Cancel Subscription. If you subscribed through Apple or Google, cancel in the App Store or Google Play.
Sources
- 1.Rocket Money Help Center: How much does Rocket Money cost? · September 22, 2026
- 2.Rocket Money: Rocket Money vs YNAB · October 14, 2026
- 3.Rocket Money Help Center: Premium Membership features · September 15, 2026
- 4.Rocket Money Help Center: Introduction to Premium+ · September 22, 2026
- 5.Rocket Money Terms of Service (effective October 2, 2026) · October 2, 2026
- 6.Rocket Money Help Center: Bill Negotiations is moving to Premium+ · September 24, 2026
- 7.Rocket Money: How much does Rocket Money cost? Free vs. Premium vs. Premium+ · January 19, 2026
- 8.Rocket Money: Frequently asked questions · October 14, 2026
- 9.Rocket Money Help Center: How do I cancel a subscription on Rocket Money? · October 5, 2026
- 10.Rocket Money Help Center: Account Sharing in Rocket Money · September 22, 2026
- 11.Rocket Money Help Center: Rocket Money for desktop · September 22, 2026
- 12.Rocket Money Help Center: What is Rowan? · September 22, 2026
- 13.Rocket Money Help Center: What happens to my High-Yield Savings Account if I downgrade from Premium+? · October 14, 2026
- 14.Rocket Money Help Center: Applicable sales tax for Premium memberships · September 22, 2026
- 15.Rocket Money Help Center: Managing my Premium Membership · July 30, 2026
More about Rocket Money
- Rocket Money’s negotiation fee: what changes on November 2, 202635–60% of first-year savings until November 2, 2026 — then Premium+ only, with no fee.Read
- Does Rocket Money cancel subscriptions for free?No — cancelling for you is a Premium feature. What the free plan does, timing, and limits.Read
- Rocket Money in Canada: does it work?No — it’s US-only. What works in Canada instead, with prices.Read
- Rocket Money alternatives (2026)Wally, Monarch, YNAB, Copilot Money and ChatGPT — and when to stay with Rocket Money.Read
- Wally vs Rocket MoneyFeatures and prices side by side, with sources.Compare