tools

Rocket Money

Rocket Money tracks spending, subscriptions, bills, budgets, credit, savings goals, and net worth, with AI assistant Rowan in Premium+.

In inglese

Rocket Money is a personal finance app for tracking subscriptions, spending, bills, budgets, credit scores, savings goals, and net worth across linked accounts. It is available through mobile apps and a web experience.

The free tier covers basic tracking and budgeting. Premium adds subscription cancellation, unlimited budgets, transaction tools, credit reports, net worth tracking, and automated savings. Premium+ adds Rowan, an AI financial assistant accessed through text messages, plus bill negotiation without a success fee. Bill negotiation on other tiers costs 35–60% of first-year savings when successful.

Features

Track recurring subscriptions and bills
Categorize spending and create budgets
Negotiate eligible bills on your behalf
Monitor credit scores and full credit reports
Track assets, debts, and net worth
Automate savings through Financial Goals
Use Rowan AI financial assistant by text
Cancel eligible subscriptions through the service

Use cases

Track recurring subscriptions and identify forgotten charges
Build budgets from linked checking, savings, and credit accounts
Ask Rowan about spending, bills, and upcoming charges
Cancel eligible subscriptions through Rocket Money
Negotiate eligible phone, internet, cable, or security bills
Monitor credit, savings goals, and net worth

Pros

Cons

Capabilities

Automations — “Transaction rules allow Premium members to automate how transactions are categorized, tagged, or ignored based on custom logic that you define.” source
Mobile app — “Mobile app (iOS & Android) Yes” source

Get it

Pricing

Starting price: $7/mo
Prices checked: 2026-09-26

Free

Link financial accounts
Up to 3 category budgets
View subscriptions
Bill negotiation (success fee)
Credit score
Mobile app (iOS & Android)

Premium

$7–$14/month

Real-time sync and net worth tracking
Unlimited category budgets
Subscription cancellation assistance
Custom transaction categories and rules
Financial goals and debt paydown
Credit report monitoring

Premium+

$15/month

Rowan AI-powered financial assistant
Bill negotiation with no success fee
Real-time sync and net worth tracking
Unlimited category budgets
Subscription cancellation assistance
Credit report monitoring

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