# Rocket Money pricing (2026): plans, cost, and compliance

**Entry price:** $0 (free)/mo (Free). Among the 8 budgeting apps we track it is the cheapest; median entry $6/mo.
**Domain:** rocketmoney.com
**Free tier:** Yes · 7-day free trial
**Compliance:** HIPAA Not published · SOC 2 Not published · GDPR Not published
**Integrations:** Plaid (12,000+ banking partners globally), Akoya (Fidelity accounts), Experian (credit score monitoring), nbkc bank (FDIC-insured savings accounts)
**Best for:** People with subscription bloat who want automated detection and cancellation; Users who want bill negotiation built in; Those who want a free starting point with optional upgrade; Members of Rocket Companies ecosystem (Rocket Mortgage, etc.)
**Price tracked since:** June 2026

## Plans

| Plan | Monthly | Annual | Billing | Notes | Source |
| --- | --- | --- | --- | --- | --- |
| Free | $0 | — | flat | Free tier includes account linking, balance alerts, subscription management, and spend tracking. Bill negotiation incurs a 40% success fee on annual savings negotiated. | rocketmoney.com |
| Premium | $7 | — | flat | Pay-what-you-want pricing model; official page states the range is typically $7–$14/mo with a $7/mo minimum. monthlyUsd records the $7/mo confirmable minimum. Adds subscription cancellation assistant, automated savings, unlimited budgets, net worth tracking, shared accounts. 7-day free trial. Bill negotiation success fee (reported 35%–60% of first-year savings) applies when Rocket Money negotiates a lower bill. | rocketmoney.com |

**Key features:** Subscription finder and cancellation assistant (human-assisted on Premium); Bill negotiation concierge service; Automated smart savings; Credit score monitoring and full credit report (Premium); Unlimited custom budget categories (Premium); Transaction rules and auto-categorization (Premium); Net worth tracking across all accounts; Account sharing (Premium); 256-bit AES encryption at rest, TLS in transit; Data hosted on AWS and Google Cloud Platform; Independent third-party security audits and bug bounty program.

**Plan limits:** Free plan limited to 2 custom budget categories; Free plan shows only 3+ months of transaction history; Bill negotiation success fee: 35–60% of first year's savings (applies to both free and premium); Premium price is user-chosen ($7–$14/mo); actual charge depends on what user selects.

Sources: 2 · Last verified 2026-06-14
Provenance: Rocket Money Premium uses a 'pay what you think is fair' model. The official pricing explainer (rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost) states the range is typically $7–$14/mo with a $7/mo minimum, corroborated by 2026 reviews (CNBC Select, Penny Hoarder). The minimum confirmable self-serve price ($7/mo) is recorded as monthlyUsd. An earlier $3/mo minimum could not be confirmed against any current credible source and was corrected. Free tier existence confirmed by official homepage; 7-day Premium free trial confirmed by official page.
Canonical: https://frontdeskreview.com/software/budgeting-apps/rocket-money/
Cite: Per The Front Desk Review, Rocket Money's entry plan was $0 (free)/mo as of 2026-06-14 — https://frontdeskreview.com/software/budgeting-apps/rocket-money/
License: CC BY 4.0. Price history: https://frontdeskreview.com/data/price-history.jsonl