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Rocket Money Premium is worth it only if it cancels or cuts more than the $84 to $168 a year it costs. The free tier already finds your subscriptions, so you are paying for someone else to cancel them. From November 2, 2026, bill negotiation needs the $15 Premium+ plan.
Pay for Premium if you have subscriptions you keep meaning to cancel and never do, and you set the price slider to the lowest amount offered.
Pay for Premium+ if you have several bills to negotiate after November 2 and expect more than $15 a month off them in total.
Skip it if you can spend ten minutes cancelling a subscription yourself, because the free tier already shows you the list.
prices checked 2026-10-05 · by dan scutaru
| plan | price | what matters |
|---|---|---|
| Free | $0 | Finds subscriptions and tracks spending. Does not cancel anything for you. |
| Premium | $7 to $14/mo, you choose | Same features at every price: $84 to $168 a year, plus tax. 7-day trial for new members. |
| Premium+ | $15/mo | $180 a year. Adds the Rowan AI assistant and bill negotiation with no fee. |
| Bill negotiation without Premium+ | 35 to 60% of first-year savings | Only for negotiations started before November 2, 2026. |
Only at the bottom of the slider. You choose what you pay, typically $7 to $14 a month, and the terms say the price changes nothing: "no change in service or functionality". Paying $14 instead of $7 buys the same product for $84 more a year.
At $7 a month Premium costs $84 a year. One forgotten $9.99 subscription, cancelled and kept cancelled, covers it. If the free list shows nothing you would cancel, Premium is a nicer budgeting app, not a saving.
It works for the services it supports, and only on a paid plan. You tap Cancel and Rocket Money's team does the rest, which it says usually takes 2 to 10 days. If a subscription has no Cancel option, Rocket Money cannot cancel that provider yet.
Anything billed through Apple, Google or Roku has to be cancelled there. Check which of your subscriptions show the button during the 7-day trial, before the first charge.
Until November 2, 2026, anyone can use it and pays 35 to 60% of the first year's savings, charged up front. Take $10 a month off your internet bill: $120 saved, a fee of $42 to $72. The fee also applies when the only result is a price increase avoided.
From November 2 it is Premium+ only, with no fee. Premium+ is $180 a year, so the same $120 win leaves you $60 down if you keep the plan all year. You break even at $15 a month in reductions. A full year of Premium+ beats the old fee only once savings pass $300 to $514 a year.
Free, Premium at a price you choose (typically $7 to $14 a month), or Premium+ at $15 a month. Rocket Money says Premium prices can vary by platform, and tax is added where it applies.
Yes, there is a free tier you can keep. It lists your subscriptions and tracks spending, but it does not cancel anything for you.
New Premium members get 7 days free. After that you are charged the amount you picked at sign-up, so set the slider low before the trial ends.
Settings, Membership, Manage Membership, drag the slider to $0 and tap Cancel Subscription. It takes effect at the end of the billing cycle. The terms ask for 3 business days' notice before the next charge.
For budgeting alone, Monarch costs $99.99 a year, inside Rocket Money Premium's $84 to $168 range, but it has no free plan. Rocket Money is the one that cancels subscriptions for you.