Rocket Money
by Rocket Money
Subscription cancellation, bill negotiation and an AI assistant
Reviewed by the the30top research team · Last reviewed 2026-10-27
Overview
Rocket Money combines budgeting, subscription tracking, credit score views and bill negotiation, and says it serves 10 million+ members. Rowan, its AI assistant on Premium+, answers questions by text and can start a subscription cancellation or dispute a charge. Bill negotiation costs 35 to 60 percent of first-year savings unless you are on Premium+, and the AI assistant is not available on the free or Premium tiers.
Our verdict
The most action-oriented tool in this group for subscriptions and bills. The AI assistant only comes with the highest tier, so check the fee math before choosing a plan.
Best for
People whose main goal is cutting subscriptions and recurring bills.
Avoid if
You want a full planning dashboard or dislike percentage-based fees.
Pros
- Free plan with subscription tracking
- Rowan can start cancellations and chase unexpected charges
- Bill negotiation included on Premium+
Cons
- AI assistant is limited to Premium+
- Success fee of 35 to 60 percent on negotiated bills for other plans
- Premium price is a range, not a fixed figure
Key capabilities
Frequently asked questions
How much does Rocket Money cost?
There is a free plan. Vendor pages describe Premium as typically $7 to $14 per month and Premium+ as $15 per month.
How much does bill negotiation cost?
On plans other than Premium+, you pay 35 to 60 percent of your first year of savings only if the negotiation succeeds. Premium+ includes it with no added fee.
What is Rowan?
Rowan is Rocket Money's AI assistant on Premium+. You text it questions about your spending, and it can start a subscription cancellation or pursue a charge you do not recognize.