Personal Finance · pricing
Rocket Money pricing
Rocket Money publishes 2 tiers. Below is each one, what it adds over the tier beneath it, and where the ladder stops being worth climbing for most people.
As of 30 August 2026, Rocket Money pricing is free across 2 published tiers. Figures are the vendor's list prices as recorded on this page's last check; the vendor's site is the final word.
- Entry price
- Free
- Model
- Freemium
- Tiers
- 2
- Free tier
- Yes
Rocket Money plans, side by side
Every published tier in ascending order of price, with the number of features each one lists. An absence here means the record does not itemise it, not that the tier lacks it.
| Plan | Price | Features listed | Step up from the tier below |
|---|---|---|---|
| Free | Free | 3 | Entry tier |
| Premium | $12/month | 4 | +$12/month, 4 more features |
What each tier adds
The set difference between each tier's feature list and the one beneath it. Where a tier lists nothing new, the vendor has either stopped repeating the inherited list or the tier raises limits rather than adding capability, the record does not distinguish the two, so this page does not either.
Free
FreeThe entry tier. It covers subscription tracking, spending insights, bill reminders.
Premium
$12/monthOver Free, this tier adds:
- Bill negotiation
- Subscription cancellation
- Smart savings
- Priority support
Where Rocket Money stops being free
Free, Free
- Subscription tracking
- Spending insights
- Bill reminders
Premium, $12/month
The first thing you pay for:
- Bill negotiation
- Subscription cancellation
- Smart savings
- Priority support
What the product covers
The full Rocket Money feature record, grouped as the catalogue groups it. This is the product as a whole; the record does not map every feature onto a specific tier.
Other
- Subscription tracking
- Bill negotiation
- Automatic savings
- Spending insights
- Credit score monitoring
Integrations
- Bank accounts
- Credit cards
- Utility providers
Platform
- Web support
- IOS support
- Android support
People bring Rocket Money in for finding and cancelling unwanted subscriptions, tracking bills and spending in one app, having a third party negotiate down recurring bills. If that is not the job you are buying for, the alternatives to Rocket Money are worth a look before you commit to a tier.
How that compares in Personal Finance
Too few personal finance tools in this directory publish a starting price to quote a meaningful median, so the table below is a like-for-like list rather than a ranking.
| Tool | Entry price | Model | Rated | Head to head |
|---|---|---|---|---|
| Rocket Money (this page) | Free | freemium | - | |
| Monzo | Free | Free core current account; paid Plus and Premium tiers add features | - | vs Rocket Money |
| Revolut | Free | Free standard tier; paid plans add higher limits, insurance and perks | - | vs Rocket Money |
| Strands | On request | quote | - | vs Rocket Money |
| Affirm | Free | Free for short Pay in 4 plans; longer plans carry a disclosed APR up to roughly 36 percent, merchant pays a transaction fee | - | vs Rocket Money |
| Firefly III | Free | Open source, no licence fee | - | vs Rocket Money |
| Lunch Money | $60/year | Pay what you want, annual, above a published minimum | - | vs Rocket Money |
Ratings are aggregated from third-party sources and imported with each catalogue entry, they are not reviews hosted on Softwr. How each figure is used is set out on the Rocket Money badges page.
Before you pay for Rocket Money
Three things this page cannot tell you, and all three change the bill. The record carries a price and a billing period but not the unit - per-seat and flat-rate pricing are indistinguishable in this data, so a five-person team may be looking at five times the figure above. It carries no annual rate, so any discount for paying yearly is not something this page can quote. And it carries no trial length.
What it can tell you is the shape of the ladder: 2 tiers between Free and $12/month, with the jump itemised above. Because there is a free tier, the cheapest way to answer the rest is to use it before paying anything.
Rocket Money runs on web, ios, android, and is published by Rocket Companies, Inc of Silver Spring, Maryland, USA. The full record is on the Rocket Money review, and the rest of the category is under best personal finance tools.
Rocket Money pricing questions
- How much does Rocket Money cost?
- Rocket Money publishes 2 tiers, from Free for Free up to $12/month for Premium. The entry tier costs nothing.
- Does Rocket Money have a free plan?
- Yes. The Free tier costs nothing and covers subscription tracking, spending insights, bill reminders. Paying starts at $12/month for Premium.
- What is the difference between Free and Premium on Rocket Money?
- Premium costs $12/month against Free, and adds bill negotiation, subscription cancellation, smart savings, priority support.
- Which personal finance tools can I use without paying?
- 6 of the 8 personal finance tools listed alongside Rocket Money have a free tier: Monzo, Revolut, Affirm, Firefly III, Starling Bank.
- What am I actually paying for with Rocket Money?
- The record lists 11 features across 3 areas: other, integrations, platform. In practice it is brought in for finding and cancelling unwanted subscriptions, tracking bills and spending in one app, having a third party negotiate down recurring bills.
- Does Rocket Money charge per user?
- The record carries a price and a billing period for each of its 2 tiers, but not the unit that price is charged in. Per-seat and flat-rate billing look identical in this data, so check the vendor's page before budgeting for a team.
- Are these Rocket Money prices current?
- They are what the catalogue entry holds, refreshed when the entry is. Vendors change pricing without notice and nobody at Softwr re-verifies each tier by hand, so treat this as a structured summary and the vendor's own pricing page as the authority.
- What should I compare Rocket Money against before paying?
- The closest personal finance tools in this directory are Monzo, Revolut, Strands, Affirm. Each has a side-by-side comparison with Rocket Money covering price, platforms and features.