Rocket Money
Rocket Money, Inc.
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Join 5M+ users who found forgotten subscriptions. Save $880M collectively. Cancel with one tap.
Review
Updated Jan 2026
Rocket Money (formerly Truebill) has become the go-to personal finance app for Americans drowning in subscriptions and struggling to manage their money. Launched in 2015 and acquired by Rocket Companies in 2021, the platform has helped over 5 million users save more than $880 million by identifying and canceling forgotten subscriptions. By 2026, Rocket Money has evolved beyond subscription management into a comprehensive financial command center offering budgeting, bill negotiation, credit monitoring, spending insights, and net worth tracking. The app's killer feature remains its ability to automatically detect all your subscriptions - even ones you forgot about - and cancel them with a few taps directly in the app. The Premium tier adds AI-powered spending analysis, custom budgets, smart savings goals, and a concierge service that negotiates your bills (internet, phone, cable) to lower rates. The bill negotiation service has saved users an average of $300 per year on recurring bills.
Rating
Finance & Payments
Features
More Features
Pros
- +Best-in-class subscription detection
- +In-app cancellation with one tap
- +Bill negotiation saves hundreds annually
- +Pay-what-you-want pricing ($6-12)
- +Credit monitoring included in Premium
Cons
- −Bill negotiation fees (30-60% of savings)
- −Advanced budgeting requires Premium
- −US and Canada only
- −Some banks don't connect reliably
- −Investment tracking less sophisticated than Personal Capital
Pricing
freemiumRocket Money operates on a "pay what you think is fair" freemium model. The free tier includes basic subscription tracking, spending categorization, bill reminders, and account aggregation. Premium features ($6-12 per month, you choose) unlock advanced budgeting, Smart Savings, bill negotiation concierge (they keep 30-60% of first year savings), net worth tracking, credit score monitoring, and priority customer support. Bill negotiation operates on a success-based fee - if they save you $500, they keep $150-300. Subscription cancellation is free but the service suggests a $3-5 voluntary tip per cancellation.
VS Competitors
+ Advantages
− Weaknesses
Verdict
Rocket Money is absolutely worth it for most Americans, especially if you suspect you have forgotten subscriptions (spoiler: you do). The free tier alone pays for itself by finding services you're paying for but not using - the average user discovers 3-4 forgotten subscriptions totaling $40-60 monthly. If you upgrade to Premium ($6-12), the bill negotiation feature can save hundreds annually. Start with the free tier to find forgotten subscriptions, then upgrade for one month to use bill negotiation on your biggest bills, then decide if ongoing features justify keeping Premium.
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