Best Budgeting Apps · pricing · Updated June 2026
Rocket Money pricing (2026)
Rocket Money starts at $0/mo (Free), across 2 plans. Best for People with subscription bloat who want automated detection and cancellation. Every figure links to Rocket Money's own page and the date we captured it.
At a glance
- Entry price: $0/mo (Free)
- Free tier: Yes · 7-day trial
- Compliance: HIPAA — · SOC 2 — · GDPR —
- 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.)
Rocket Money plans & pricing
| 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 |
Last verified 2026-06-14. 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. Cross-checked against cnbc.com.
Capabilities
Integrations: Plaid (12,000+ banking partners globally), Akoya (Fidelity accounts), Experian (credit score monitoring), nbkc bank (FDIC-insured savings accounts).
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.
Frequently asked questions
How much does Rocket Money cost?
Rocket Money starts at $0/mo (Free); it has 2 published plans. Verified 2026-06-14.
What are cheaper alternatives to Rocket Money?
Cheaper budgeting apps than Rocket Money (entry $0/mo) include Quicken Simplifi at $5.99/mo, PocketGuard at $6.25/mo, Goodbudget at $6.67/mo. Verified 2026-06-14.
Does Rocket Money support HIPAA?
Rocket Money HIPAA support: —. SOC 2: —. GDPR: —.
Does Rocket Money have a free plan?
Rocket Money free tier: Yes; 7-day free trial.
Rocket Money vs alternatives
Cheaper budgeting apps alternatives
- Goodbudget from $6.67/mo
- EveryDollar from $6.67/mo
- PocketGuard from $6.25/mo
- Quicken Simplifi from $5.99/mo