Rocket Money is free to start. Its Premium plan is a monthly subscription whose price you choose yourself on a slider, usually somewhere between $7 and $14 a month, and a higher Premium+ plan costs a flat $15 a month. That is the short version. The useful part is what each step actually adds, what it costs over a year, and when the more expensive plan is cheaper than the plan below it.
We make YoTrackr, a tracker with no bank link, so we have a stake in this topic. We have tried to describe Rocket Money fairly. The figures below come from Rocket Money's own cost explainer and its pricing help article, checked on 24 October 2026. Prices change and can differ by platform, so look at the price in the app before you pay.
The short answer
| Plan | Monthly price | Per year |
|---|---|---|
| Free | $0 | $0 |
| Premium | You choose, typically $7 to $14 | about $84 to $168 |
| Premium+ | $15 plus tax | $180 plus tax |
The yearly column is our arithmetic (twelve times the monthly price), not a figure Rocket Money publishes. Rocket Money's help article does not list a dollar range for Premium. It says you choose what to pay on a sliding scale, and the range above is the one on its cost explainer, marked "subject to change". Some third-party reviews quote a lower starting point, so the slider you see at signup is the number that counts.
What each plan includes
| Free | Premium | Premium+ | |
|---|---|---|---|
| Subscription tracking and upcoming bills | Yes | Yes | Yes |
| Bill negotiation | Yes, you pay a share of savings | Yes, you pay a share of savings | Yes, no fee while the plan is active |
| Subscription cancellation by their team | No | Yes | Yes |
| Budgets | Basic, two custom categories | Unlimited custom budgets | Unlimited custom budgets |
| Net worth tracking | No | Yes | Yes |
| Rowan, the AI assistant | No | No | Yes |
| High-yield savings account access (eligible members) | No | No | Yes |
The line most people care about is cancellation. Premium adds cancellation handled by Rocket Money's team, which it says usually takes 2 to 10 days. Everything else on the free plan, including finding your recurring charges, already works without paying. If you only want to see what you are subscribed to, the free plan does that, and our full review of whether Rocket Money is worth it goes through who gets value from each step.
Is there a free trial?
New Premium members get a 7-day trial, according to the help article. After that, the monthly subscription continues at the price you chose when you signed up. It is billed monthly, so you can stop whenever you want. Set a reminder for day six if you only meant to try it, because the charge starts on its own. The steps to stop are in how to cancel Rocket Money Premium.
When Premium+ costs less than Premium
This is the part nobody spells out. Bill negotiation is available on every plan, but on Free and Premium you pay a one-time fee of 35% to 60% of the first year's savings, and you choose the percentage. On Premium+ there is no fee while the plan is active. So Premium+ is really a prepayment of that fee, at a rate of $15 a month whether or not you negotiate anything.
The extra you pay for Premium+ over Premium is the difference in monthly price times twelve. The fee you skip is 35% to 60% of your first-year savings. Premium+ comes out ahead only when the fee you skip is bigger than the extra you pay. These are our own sums:
| If your Premium price is | Premium+ costs extra per year | Premium+ wins when first-year savings are above |
|---|---|---|
| $7 a month | $96 | about $160 at a 60% fee, about $274 at a 35% fee |
| $14 a month | $12 | about $20 at a 60% fee, about $34 at a 35% fee |
A concrete case, with made-up numbers: you pick $7 for Premium, and a negotiation takes your internet bill from $100 to $80 a month, which saves $240 in the first year. At a 35% fee you would pay $84 on Premium, and Premium+ would cost you $96 more for the year, so you are slightly better off on Premium. At a 60% fee you would pay $144, and Premium+ wins. If you negotiate nothing at all, Premium+ is just the more expensive plan.
The fee is also a one-time charge on the first year's savings, while Premium+ repeats every month. If you only need one negotiation, paying the fee once is usually the cheaper route. If you plan to keep several negotiations going, or you want the assistant, Premium+ can make sense.
What you can do without paying
- Stay on the free plan. It finds recurring charges from linked accounts and lists your upcoming bills.
- Cancel subscriptions yourself. Our guide to cancelling unused subscriptions covers the steps and the services that make it hard. Paying for Premium to have someone else cancel is a convenience, not a requirement.
- Negotiate on your own. A ten-minute call to your provider can get the same discount for nothing, as long as you are willing to make it.
If you do not want to link a bank
Everything above assumes you are comfortable giving Rocket Money read access to your bank. If you are not, or you track things that are not bank charges (domains, hosting, SSL certificates, or a freelancer's client tools), you need a different kind of tracker. YoTrackr has no bank link: you add items yourself or import a CSV, and it reminds you before each renewal. It is free to start, with up to 10 subscriptions and 3 domains. The paid plans are on the pricing page, and the lifetime plans launch through AppSumo, with a waitlist on the AppSumo page on this site until the listing opens. For a wider comparison, see Rocket Money alternatives with no bank login and YoTrackr vs Rocket Money.
Frequently asked questions
How much is Rocket Money Premium per month? You choose the price on a sliding scale when you sign up. Rocket Money's cost explainer says it typically ranges from $7 to $14 a month and may change, and the slider in the app shows the real range for you.
Is Rocket Money free? The app is free to start. The free plan tracks subscriptions and upcoming bills and finds recurring charges. Premium adds cancellation by their team, unlimited budgets and net worth tracking.
Does Rocket Money have a free trial? New Premium members get a 7-day trial. After it ends, the monthly subscription continues at the price you chose at signup.
What does Premium+ add over Premium? Premium+ costs $15 a month plus tax. It adds the Rowan AI assistant, bill negotiation with no success fee while the plan is active, and access to the high-yield savings account for eligible members.
How much does bill negotiation cost? On Free and Premium you pay a one-time fee of 35% to 60% of the first year's savings, and you pick the percentage within that range. If it saves you nothing, you pay nothing.
Can Rocket Money's price change? Yes. The help article says prices can change over time and can differ across platforms. Check the price shown at signup rather than trusting any article, including this one.
Keep reading. Wondering whether any of this is worth it for you? Is Rocket Money worth it goes through who gets value. To see every option side by side, read the best subscription tracker apps.
Related reading
- Is Rocket Money Worth It? Pricing and Fees Explained
- Rocket Money Alternatives With No Bank Login
- YoTrackr vs Rocket Money: Which Tracker Fits You?
- How to Cancel Unused Subscriptions for Good
- Best Subscription Tracker Apps in 2026, Compared
- Is Rocket Money Safe? What Linking Your Bank Really Means
- What each plan includes, and trial rules