Rocket Money pricing breakdown
| Plan | Price | Details |
|---|---|---|
| Free | $0 | Subscription tracking, bill negotiation, upcoming bills, up to 3 category budgets, mobile app |
| Premium | Pay what you think is fair, typically $7 to $14/month | 7-day free trial. Adds more budgets, subscription cancellation, net worth, transaction export and desktop access |
| Premium+ | $15/month | Everything in Premium, plus the Rowan AI assistant and bill negotiation with no success fee |
Rocket Money says Premium prices can vary at times and across platforms. Prices checked on Rocket Money’s own pages on October 7, 2026.
What’s free and what needs Premium
Free
- Subscription tracking
- Bill negotiation (with a success fee)
- Upcoming bills
- Up to 3 category budgets
- Net income and a basic spending breakdown
- Credit score
- Mobile app
Premium adds
- Help cancelling subscriptions
- Real-time sync
- Net worth tracking
- As many budgets as you want, and custom categories
- Transaction export
- Savings goals
- Full credit report monitoring
- Account sharing with a partner
- Desktop access
The bill negotiation fee, worked out
Rocket Money negotiates some bills for you, on any plan. If it lowers a bill, you pay a one-time fee of 35% to 60% of the first year’s savings, and you choose the percentage. If it saves you $20 a month, that’s $240 in the first year, so the fee is $84 to $144. Nothing is charged if it doesn’t save you money, savings after the first year carry no fee, and Premium+ has no success fee at all.
Rocket Money vs SheetLink: a year’s cost
| Plan | A year | What you get |
|---|---|---|
| Rocket Money Free | $0 | Up to 3 budgets, mobile app |
| Rocket Money Premium | $84 to $168 | At its typical $7 to $14 a month |
| Rocket Money Premium+ | $180 | $15 a month |
| SheetLink Free | $0 | One bank, your last 7 days, Google Sheets |
| SheetLink Pro | $39.99 | Every bank, up to 2 years of history, Google Sheets and Excel |
| SheetLink Max | $99 | Everything in Pro, plus investments, CLI automation, Postgres and SQLite output, and Claude |
Rocket Money doesn’t publish an annual price, so its rows are twelve monthly payments.
The bigger difference is where your transactions live. Exporting them is a Premium feature in Rocket Money. SheetLink puts them in your own Google Sheet or Excel workbook when you press Sync now, with new rows at the end, and keeps no copy. Comparing other apps? See Monarch Money pricing and YNAB pricing.
Is Rocket Money Premium worth it?
Premium is worth it if you…
- Want help cancelling subscriptions
- Track net worth across your accounts
- Share finances with a partner
- Need more than 3 budgets in an app
A spreadsheet is better if you…
- Want as many budgets as you like, free
- Already use Google Sheets or Excel
- Want your transactions in a file you own
- Would rather pay $39.99 a year than $84 or more
Start with our free Google Sheets budget templates: fill them in by hand, or let SheetLink fill them from your bank.
Questions
Is Rocket Money free?
Yes. Rocket Money has a free plan with subscription tracking, bill negotiation, upcoming bills and up to 3 category budgets. Premium adds more budgets, subscription cancellation, net worth tracking, transaction export and desktop access.
How much does Rocket Money Premium cost?
You pick the price. Premium is pay what you think is fair, typically $7 to $14 a month, after a 7-day free trial. Rocket Money says its prices can vary at times and across platforms, and you can change your price or cancel at any time.
Does Rocket Money charge a fee for bill negotiation?
Only if it saves you money. Rocket Money charges a one-time fee of 35% to 60% of the first year’s savings, and you choose the percentage. Premium+, at $15 a month, has no success fee.
Why did Rocket Money charge me?
Usually because a 7-day Premium trial ended, which charges the price you chose at sign-up, or because a bill negotiation succeeded, which charges the one-time fee. If you cancel Premium, it ends at the close of your billing cycle.
Is Rocket Money worth it?
Premium is worth it if you’d use subscription cancellation, net worth tracking, account sharing or more than 3 budgets. If you mainly want budgets and a record of your spending, a spreadsheet does that for free: our free Google Sheets budget templates have no budget cap, and SheetLink can fill them from your bank.
What is cheaper than Rocket Money?
SheetLink Pro is $4.99 a month or $39.99 a year, below Rocket Money Premium’s typical $7 to $14 a month, and SheetLink’s free plan covers one bank and your last 7 days. For comparison, Monarch Money is $99.99 a year and YNAB is $109.