Rocket Money

About

Rocket Money is an AI personal-finance app built around one uncomfortable truth: you are paying for subscriptions you forgot you have. Link your bank and card accounts and it scans every recurring charge, then surfaces the trials that quietly converted, the streaming services you stopped watching, and the zombie subscriptions still billing months after you meant to cancel. That first scan is the moment most people get value — seeing the full list of what's actually leaving your account each month. From there it does two things automation-heavy. First, one-tap cancellation: pick a subscription and Rocket Money cancels it for you, including the services that deliberately bury the cancel button behind a retention maze. Second, bill negotiation: hand over your cable, internet or phone bill and a negotiation team works to get your rate lowered without you ever sitting on hold. Around those headline features sit budgets, auto-categorized spending insights, net worth and credit tracking, and a Smart Savings tool that sweeps spare cash aside automatically. The pricing is the part to read carefully. The core subscription-finding scan is free. Premium is a pay-what-you-want slider in roughly the $6-$12/month range, and that's where the cancellation and automation power lives. Bill negotiation is separate and success-fee based: if Rocket Money wins you a lower rate, it keeps a percentage (commonly 35-60%) of the first year of savings. No saving, no fee — but it means the service only pays off on a real reduction. Verdict: install it for the scan alone. Knowing every recurring charge in one place is worth the five minutes, and the free tier gives you that. Upgrade for the one-tap cancellations if you've got a pile of subscriptions to kill. Just treat bill negotiation as a calculated bet — you're trading a chunk of year-one savings for never making the call. If you'd rather an AI make the call itself, see our experiment letting an AI voice agent phone our providers for a week, and for a private, free alternative look at the open-source finance-assistant copilot that flags zombie subscriptions on your own machine.

Key Features

• Subscription scanning: links your bank and card accounts, then surfaces every recurring charge — including the trials and zombie subscriptions you forgot to cancel
• Cancellation concierge: tap a subscription and Rocket Money cancels it for you, even for services that bury the cancel button
• Bill negotiation: hands your cable, internet and phone bills to a negotiation team that fights for a lower rate on your behalf
• Spending insights and budgets: auto-categorizes transactions and tracks spend against budgets you set
• Smart Savings: an automated savings feature that moves spare cash into a separate account
• Net worth and credit tracking in one dashboard

Use Cases

• 1Catching a forgotten free trial before it converts to a paid plan
• 2Cancelling three streaming services in one tap instead of fighting each retention page
• 3Lowering a cable or internet bill without sitting on hold yourself
• 4Seeing every recurring charge in one place so you actually know your monthly burn