Rocket Money review
8.2/10★★★★★Budget and subscription tracker whose AI agent, Rowan, cancels subscriptions and negotiates bills
- Best for
- People who want an assistant that actually cuts recurring costs, not just reports them
- Price
- Freemium · from $7/month
Free: Budgeting, spending tracking and subscription finder - Platforms
- Web, iOS, Android
- Made by
- Rocket Money (Rocket Companies)
- App store ratings
- iOS 4.5★ (397K) · Android 4.5★ (140K)
What it is
Rocket Money tracks spending and budgets, finds forgotten subscriptions and monitors your credit score. Its Rowan assistant, launched in August 2026 and built with Anthropic, works over text message: it flags price rises and expiring free trials, answers money questions, and on request cancels subscriptions, negotiates bills and asks for refunds.
Latest: Rocket Money launched Rowan, an AI agent built with Anthropic, in August 2026.
What the AI does
- Rowan AI agent over text message
- Proactive alerts for price increases, free trials and forgotten subscriptions
- Cancels subscriptions and negotiates bills on request
- Recategorises transactions and creates rules by chat
- Answers spending questions in plain English
Pros and cons
- Only app here whose AI takes real actions like cancelling and negotiating
- Useful free plan
- Huge user base and broad platform support
- Rowan is locked to the $15/month Premium+ tier
- Lowest App Store rating of the major budgeting apps here
- US-focused service
How it scores
Rowan sets a new bar for AI that acts on your behalf, and the free plan is genuinely useful. Budgeting depth trails Monarch, and the best AI costs extra.
Feature checklist · 6 of 9
- Ask an AI assistant questions about your money (yes)
- Sorts transactions into categories automatically (no)
- Links to bank and card accounts automatically (yes)
- Finds and tracks subscriptions and recurring bills (yes)
- Cancels subscriptions or negotiates bills for you (yes)
- Shared budgets for partners or households (no)
- Tracks net worth and investment balances (no)
- Works on the web as well as on your phone (yes)
- Free plan available (yes)
Alternatives
See all Rocket Money alternatives, ranked →
- Monarch 8.4/10Couples and households who want one shared, detailed view of their money
- Copilot Money 8.1/10iPhone and Mac users who want the most polished budgeting app
- Origin 7.9/10People who want budgeting, forecasting and planning tools in one subscription
- Quicken Simplifi 7.8/10Budget-conscious users in the US or Canada who want AI help at a low price
Monarch vs Rocket MoneyRocket Money vs Copilot MoneyRocket Money vs Origin