Rocket Money — Finance & Accounting

Rocket Money (formerly Truebill) is a personal finance app that helps you take control of your money. It connects to your bank accounts and credit cards to automatically detect recurring subscriptions, track everyday spending, and provide insights into where your money goes. The app also offers a bill negotiation service that works to lower your monthly bills—like cable, internet, and phone—for a fee only if they succeed.

What problem does it solve?

Millions of people lose track of subscriptions they no longer use, paying for services like gym memberships, streaming platforms, or software they forgot about. Rocket Money solves this by scanning your transactions, flagging every recurring charge, and letting you cancel subscriptions directly from the app with one tap. It also helps lower your fixed expenses through professional bill negotiation.

Who is it for?

Rocket Money is best for anyone who wants to stop overpaying on subscriptions or monthly bills without the hassle of tracking everything manually. It's ideal for budget-conscious consumers, freelancers, and families with multiple streaming or utility accounts. If you prefer a hands-off approach to expense tracking and bill reduction, this is for you. It is not designed for business accounting or managing complex corporate finances.

Real use cases

A user connects their checking account and discovers five forgotten subscriptions totaling $75/month. They cancel three with one tap and save $45 monthly. Another user lets Rocket Money's team negotiate their internet bill, reducing it from $89 to $65 per month—with Rocket Money keeping a percentage of the first year's savings. The free tier alone surfaces all subscriptions and provides spending breakdowns.

• Subscription detection — Scans transactions to find all recurring charges from streaming to memberships
• One-tap cancellation — Cancel unwanted subscriptions directly from the app without calling
• Bill negotiation — Expert team negotiates lower rates on cable, internet, and phone bills; you pay only if they save you money
• Spending insights — Automatically categorizes expenses and shows where your money goes each month
• Smart savings — Automatically moves spare change into a savings account to build savings gradually
• Alerts & notifications — Get notified about new charges, price increases, or suspicious activity
• Custom budgeting — Set spending limits and track progress against your budget categories

Rocket Money pricing: Free · from $3/mo. Billing model: Freemium.

For comparison: the median starting price in Finance & Accounting is $20/month, measured across 145 tools we track. See the full SaaS Pricing Index →

Free Plan

$0 — Subscription detection, spending insights, alerts, and budgeting tools. No credit card required.

Premium Plan

$3–$12/month — Unlocks concierge cancellation, smart savings, and bill negotiation (fees vary by success).

Bill negotiation service: Rocket Money charges a percentage of the savings (typically 30–60% of the first year's savings) only if they reduce your bill. All plans include instant cancellation and transaction tracking.

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