Lunch Money ◆
Lunch Money is a personal finance tracker that auto-categorizes transactions and lets you set recurring budgets with rollover rules.
Free·from $10/mo
About Rocket Money
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.
Key features
- 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
Rocket Money pricing: Free · from $3/mo. Billing model: Freemium.
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.
Frequently asked questions
Is Rocket Money free to use?
Yes, Rocket Money has a free plan that includes subscription detection, spending insights, alerts, and budgeting tools. No credit card is required to start.
How much does Rocket Money cost?
The free plan costs $0. The Premium plan ranges from $3 to $12 per month, depending on the features you choose. Bill negotiation fees are separate and success-based.
How does Rocket Money work?
You connect your bank accounts and credit cards. Rocket Money scans your transactions to find recurring subscriptions and categorizes your spending. You can cancel subscriptions with one tap, and for Premium users, the team can negotiate lower bills.
What is the best Rocket Money alternative?
Popular alternatives include Truebill (now Rocket Money itself), Mint, YNAB (You Need A Budget), and Trim. Each offers different strengths: Mint for budgeting, YNAB for proactive budgeting, and Trim for bill negotiation.
Who is Rocket Money best for?
It's ideal for individuals and families who have multiple subscriptions they may have forgotten about and want to save on monthly bills without doing the legwork. It's less suited for business finance or complex investment tracking.
Does Rocket Money work with Canadian banks?
Rocket Money primarily supports US-based banks and credit cards. Users outside the US should check the latest supported institutions on the official website.
