Free alternatives to Rocket Money
To keep track of subscriptions for free, use Rocket Money's own free plan, check what your bank's app already shows, or type them into our free Subscription tracker, which needs no bank login. Rocket Money's paid plans are mainly worth it if you want someone else to cancel subscriptions or negotiate bills for you.
Rocket Money already has a free plan, so the real question is whether you need the paid parts. Every Rocket Money fact comes from its own help center, checked November 10, 2026. For a longer side-by-side, see our free Rocket Money alternative without a bank login.
What people pay Rocket Money for, job by job
Finding every subscription you pay for
Rocket Money's help page on bills and subscriptions says it "automatically detects subscriptions by analyzing transactions from your connected bank accounts and credit cards." That's the one job a manual list can't match. The free route is your own statements, app store lists, PayPal and email receipts. Our guide to finding all the subscriptions you're paying for walks through each place.
Check your bank's app first, since some flag recurring charges without any new sign-up.
Keeping a list and seeing the total
Use our free Subscription tracker. You type each subscription's name, price and billing cycle, and it shows the total per month, per year and over ten years. In our test, $10 a month, $120 a year and $5 a week came to $500 a year, and the list was still there after a reload. It can't connect to a bank, so it never sees your login. Your list is stored in your browser on that device, and Export CSV saves a copy.
Rocket Money's free plan also tracks subscriptions. Its cost page says the free plan includes "subscription tracking, spend reviews, and bill reminders."
Reminders before something renews
Rocket Money's free plan includes bill reminders. The Subscription tracker only marks a renewal date as "(soon)" when it's within 14 days, and only while you have the page open. For a real alert, put the renewal date in your phone's calendar.
Canceling subscriptions for you
This is a paid feature, and there's no free service we can point you to that does it. Rocket Money's page on canceling a subscription says its Subscription Cancellation Assistant is "currently available to Premium members." It also says subscriptions billed through Apple, Google Play, Amazon, Roku or PayPal "must be cancelled directly there." The free route is canceling yourself. See how to cancel subscriptions you forgot about.
Negotiating bills
Rocket Money's cost page says that as of November 2, 2026, bill negotiation is only for Premium+ members. The free route is calling your provider yourself and asking for a better rate. We don't have a tool for this.
Budgets, net worth and credit reports
Rocket Money's Premium features page lists budgets, net worth tracking and full credit reports, and says they aren't in the free version. We don't make a budgeting tool. Your bank's app or a spreadsheet you already use is the free option.
What Rocket Money costs now
From Rocket Money's help page, how much does Rocket Money cost, checked November 10, 2026:
- Free: subscription tracking, spend reviews and bill reminders.
- Premium: "You choose what to pay on a sliding scale." New members get a 7-day free trial. The page gives no dollar range.
- Premium+: "a fixed $15/month plus tax," and the only plan with bill negotiation from November 2, 2026.
When paying for Rocket Money is worth it
Paying makes sense when you're comfortable linking your bank and want work taken off your hands:
- You want charges found for you. Its automatic detection does the statement reading for you.
- You want someone else to cancel. Premium's Subscription Cancellation Assistant handles it, except for subscriptions billed through Apple, Google Play, Amazon, Roku or PayPal.
- You have big bills to negotiate. That's Premium+ only, at $15 a month plus tax.
- You want budgets and net worth in one app. Those are Premium features.
If you only want a list and reminders, start with the free plan or the Subscription tracker before paying.
How to cancel Rocket Money
Rocket Money's page on managing your Premium membership, checked November 10, 2026, says to go to Settings, then Membership, then Manage Membership in the app (or Manage on the website), move the slider "all the way left to $0/month," and choose Cancel Subscription. Cancellation takes effect at the end of your billing cycle. If you pay through the App Store or Google Play instead, see canceling on iPhone and Android.
Common questions
Is Rocket Money free?
Yes, it has a free plan. Rocket Money's help center says the free plan includes subscription tracking, spend reviews and bill reminders. Premium uses a pay-what-you-choose sliding scale, and Premium+ is $15 a month plus tax, as checked November 10, 2026.
Do I have to give Rocket Money my bank login?
To link accounts, yes. Rocket Money's page on linking accounts says you enter the username and password you use for online banking, through a third-party linking provider. If you'd rather not, the Subscription tracker works without any bank connection.
Can Rocket Money cancel Apple or Google Play subscriptions?
No. Its help center says subscriptions billed through Apple, Google Play, Amazon, Roku or PayPal must be canceled directly on those platforms. Our guide to canceling on iPhone and Android shows where to look.
Does the Subscription tracker send my list anywhere?
No. The Subscription tracker saves your list in your browser's local storage, on that device only, with no account. Clearing your browser data deletes it, so keep an exported CSV. Our security page explains how you can check that nothing is sent.
Paying for something not listed here? Ask for a quote to replace it.