tools
Rocket Money
Rocket Money tracks spending, subscriptions, bills, budgets, credit, savings goals, and net worth, with AI assistant Rowan in Premium+.
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
Pricing
- Starting price
- $7–$14/month
- Pricing checked
- 2026-09-19
Free
$0/month
- Subscription tracking
- Basic budgeting
- Spending breakdowns
- Credit score viewing
- Bill negotiation with success fee
Premium
$7–$14/month
- Subscription cancellation assistance
- Unlimited budgets and custom categories
- Transaction rules, splits, notes, and export
- Net worth tracking
- Financial Goals
- Full credit report access
- Desktop web access
Premium+
$15/month
- Everything in Premium
- Rowan by Rocket Money AI-powered financial assistant
- Bill negotiation with no success fee