April 23, 2024

Rocket Cash is a financial-management and budgeting platform out there on net browsers and thru each Android and iOS cellular apps. Though its best-advertised characteristic is its capacity to seek out—and assist customers cancel—month-to-month subscriptions, the platform is highly effective and complete sufficient for many non-public customers, providing customers the choice to trace their credit score rating in addition to their bills, finances by class, see upcoming payments forward of time, and extra.

Rocket Cash does hold a number of of its most respected options—together with the oft-touted subscription-cancellation concierge—behind a paywall. Luckily, its price is on a sliding scale beginning as little as $4 per thirty days. 

Rocket Cash


Construct a finances by particular person expense categorization and create financial savings objectives each individually and with a associate

TIME’s Take

An inclusive, intuitive, and well-designed expense tracker and budgeting platform, RocketMoney can meet the financial-management wants of most on a regular basis customers (although it lacks the accounting functionalities and options constructed particularly for small enterprise house owners that applications like Quicken supply). Its free model is highly effective sufficient to profit quite a lot of customers, and its paid subscription is reasonably priced sufficient to be worthwhile for a lot of, too.

Who’s Rocket Cash greatest for?

  • Budgeters on the lookout for a alternative as Mint shutters.
  • Starting budgeters hoping to get a deal with on their funds.
  • These trying to trim their many recurring month-to-month subscriptions.
  • Individuals who want to negotiate their payments, however don’t wish to go to the time or trouble themselves.

How does Rocket Cash decrease payments?

Rocket Cash can assist you decrease your payments in just a few other ways—although two of its hottest bill-lowering companies come at a value.

Rocket Cash is well-known for its cancellation concierge service, which lets you mechanically unsubscribe from month-to-month subscriptions on the contact of some buttons—and get any refunds you’re eligible for, too. Nevertheless, cancellation concierge is simply out there on the Premium stage, which begins at $4 per thirty days.

Rocket Cash additionally affords a bill-negotiation service wherein stay representatives name and negotiate your payments for you. This characteristic comes at an extra price, however provided that the payments are efficiently lowered. If that’s the case, you’ll select how a lot to pay on a sliding scale between 30% and 60% of the ensuing financial savings.

Execs and cons


  • Free model out there
  • Cash-saving options like cancellation concierge, sensible financial savings account, and invoice negotiation out there
  • Premium tier supplied on sliding scale


  • Some favourite options, together with cancellation concierge, solely out there for Premium subscribers
  • Stay buyer assist solely out there to Premium members
  • Account linking by Plaid might be gradual


Free model

Starting budgeters and people merely attempting onerous to make ends meet will profit from the truth that Rocket Cash’s free service capabilities properly as a budgeting and expense-tracking platform. Though money-saving options like cancellation concierge and invoice negotiation are paywalled, free customers can nonetheless get pleasure from a strong and helpful private finance administration expertise.

Cash-saving options

Though they should be paid for, Rocket Cash’s money-saving options set it other than rivals. So far as TIME is conscious, it’s the solely financial-management app that provides stay bill-negotiation companies and computerized subscription cancellation. And, after all, the straightforward act of making a finances and seeing the place your cash is definitely going—each of which can be found on the free tier—might be useful money-saving methods for a lot of.

Pay what you need

Even Rocket Cash’s paid merchandise supply customers flexibility. Each its Premium subscription and its bill-negotiation companies are priced on a sliding scale, beginning at simply $4 per thirty days for Premium and 30% of the cash saved because of negotiation.

What might be improved?

Greatest options paywalled

We will’t actually fault Rocket Cash too onerous on this entrance—in any case, each for-profit firm’s first aim is to generate profits. However from the person’s perspective, having to pay for a few of Rocket Cash’s greatest and most well-advertised options, together with its automatic-savings choice and subscription-cancellation concierge, generally is a bummer. Luckily, the sliding scale mitigates this impact to some extent.

Stay buyer assist is paywalled

Whereas Rocket Cash is already outperforming a few of its rivals by having stay buyer assist in any respect—and well-rated stay buyer assist, at that—it’s true that stay assist (through in-app chat) is simply assured to paying Premium members.

App might be gradual

Though useful, Rocket Cash’s cellular app generally is a bit laggy and gradual in comparison with some rivals’ apps. Nevertheless, total, the apps each rank properly amongst customers, with each the Google Play and Apple Retailer model boasting rankings of 4.3 stars on the time of this writing.

How does Rocket Cash evaluate?

Rocket Cash affords all of the must-have options that the majority financial-management platforms do, together with helpful extras to those that are keen to improve to its Premium subscription. For instance, Premium members get entry to automatic-savings choices constructed to work along with your finances, subscription-cancellation concierge companies that make dialing down your month-to-month payments a breeze, and net-worth monitoring to see how your monetary standing adjustments over time.

Sure—seven-day free trial for Premium membership, and free model is accessible

Sure—34-day free trial earlier than $14.99 per thirty days (or $8.25 per thirty days billed yearly)

Sure—14-day free trial earlier than $8 per thirty days

Computerized cost (subscription) monitoring

Sure, with cancellation concierge at Premium stage

Rocket Cash vs. Mint

With Mint slated to close down in early 2024, a lot of its customers are on the hunt for a alternative platform. Rocket Moneyoffers a lot of Mint’s core options, together with budgeting by class and expense monitoring, in addition to extra options like invoice negotiation and cancellation concierge (although each of those latter are paid companies).

Like Mint, a useful free model is accessible for these trying to handle their cash at a low price. You received’t be subjected to commercials with a view to use the free product (although many product-upgrade screens seem as you navigate the app). Rocket Cash additionally affords stay buyer assist for its Premium members, which is unavailable at any tier of Mint.

Rocket Cash: In-depth assessment

Let’s take a more in-depth take a look at Rocket Cash’s options and instruments.


Rocket Cash’s app and net platforms are each intuitive and straightforward to navigate—although the interface might arguably really feel a bit crowded and overwhelming at first. TIME appreciates that Rocket Cash doesn’t require any software program downloads to work on a desktop, and its cellular purposes for each Android and Apple are well-rated by customers.

Budgeting-tool choices

Rocket Cash’s budgeting instruments make it easy to see how a lot you’re spending each month. The app analyzes your precise transactions to find out which bills are prone to be payments (and, after all, you may also add your individual). Every thing is customizable so you possibly can tailor your finances to your particular wants. The app additionally affords a forecast of upcoming payments and warnings if you spend greater than you’ve budgeted for.


Rocket Cash companions with Plaid—a agency whose companies are utilized by well-respected fintech corporations the world over, together with the likes of Venmo—to allow seamless and secure information switch out of your exterior checking, financial savings, funding, mortgage, and bank card accounts. Its sensible software program permits you to simply see at a look which payments and computerized funds are developing in addition to all of your recurring bills, making it far simpler to seek out cut-worthy line gadgets in your finances.

On the safety aspect, Rocket Cash makes use of bank-level expertise to make sure your delicate information stays non-public, together with 256-bit encryption.

Customer support

Rocket Cash is very regarded on buyer satisfaction boards like TrustPilot, the place it enjoys a score of greater than 4.5 out of 5 stars through virtually 4,000 opinions on the time of this writing. The corporate is accredited by the Higher Enterprise Bureau, the place it scores a B score and maintains about 3.5 out of 5 stars.

Social options

Whereas Rocket Cash doesn’t have any built-in social-media integration, it does supply Premium members the chance to share their monetary profile with a associate, member of the family, or monetary advisor. As a result of it makes use of fintech large Plaid to allow connections to exterior accounts, it seamlessly integrates with the overwhelming majority of banks and bank card issuers.

Firm fame

As talked about above, Rocket Cash is very regarded amongst prospects, sustaining favorable customer-service rankings on a number of boards. Whereas comparatively younger with a founding date in 2015, over the close to decade since its inception as Truebill, the corporate has maintained a stable monitor historical past of security, safety, and repair.

Different companies supplied

Rocket Firms, which now owns Rocket Cash, additionally owns Rocket Mortgage, Rocket Loans, and is the issuer of the Rocket Visa Signature® Card.

Extra on Rocket Cash

Is Rocket Cash secure?

Rocket Cash makes use of the identical safety expertise as banks do together with 256-bit encryption. Its associate, Plaid, is trusted by many outstanding fintech corporations together with Venmo. Briefly, Rocket Cash is about as secure as any on-line monetary service might be.

Who owns Rocket Cash?

Rocket Cash was based as Truebill again in 2015 by Yahya Mokhtarzada. The corporate was acquired by Rocket Firms in 2021 and its title modified in August of the next 12 months.

How a lot is Rocket Cash?

Rocket Cash affords a free model of its product that retains a lot of its most respected options, together with budgeting, credit-score entry, subscription monitoring, and extra. Nevertheless, its subscription-cancellation concierge service is accessible solely to Premium members. The Premium tier additionally comes with bonus goodies like limitless budgeting, automated financial savings choices, real-time synching, and extra. 

The Premium subscription is accessible on a sliding scale from $4 to $12 per thirty days. Subscriptions are billed yearly on the $4 and $5 stage.

What’s Rocket Cash Premium?

Rocket Cash Premium is the corporate’s paid subscription service, which is analogous to its free model however with added extras. Moreover, members might want to improve to Premium to get pleasure from a few of Rocket Cash’s most prized instruments, together with a subscription cancellation concierge service and automatic financial savings. Premium members additionally get precedence assist, account-sharing entry, limitless budgeting, net-worth monitoring and extra.

How does Rocket Cash generate profits?

Rocket Cash’s financial-management app makes use of the software-as-a-service (SaaS) enterprise mannequin. The product earns cash when members join Premium memberships, which price between $4 and $12 per thirty days. Moreover, Rocket Cash additionally affords a bill-negotiation service individually from its Premium memberships, and customers with efficiently lowered payments can select to pay between 30% and 60% of the ensuing financial savings for the service. 

As talked about above, Rocket Cash’s mother or father firm additionally affords quite a lot of different monetary companies and merchandise, together with mortgage loans, private loans, and bank cards, which add to the agency’s total revenues.

How do I cancel Rocket Cash?

To cancel a Premium Rocket Cash subscription, open the app and faucet on the Settings icon within the higher left nook of the Dashboard (it seems like a little bit gear.) From this display, faucet on Premium Membership, after which Handle Membership.

You’ll see a slider similar to how a lot you pay every month for the service. Drag the slider all the way down to $0, and the Replace Subscription button will change to Cancel Subscription. The app will information you thru just a few extra screens to finalize and ensure your cancellation.

To cancel a invoice negotiation earlier than it’s begun, you’ll have to ship an e-mail to [email protected]. You may also toggle the bill-negotiation characteristic to “off” within the Methods to Save part of the app to maintain additional negotiations from starting.

Backside line

With a strong suite of capabilities out there on the free platform and reasonably priced upgrades out there, Rocket Cash generally is a workable budgeting answer for all kinds of on a regular basis customers. Whereas its major money-saving capabilities are paywalled, for customers with many month-to-month subscriptions or who want to implement the platform’s computerized financial savings choice, the improve could also be worthwhile.

Rocket Cash


Construct a finances by particular person expense categorization and create financial savings objectives each individually and with a associate

Continuously requested questions (FAQs)

What was Rocket Cash referred to as earlier than?

Rocket Cash was initially generally known as Truebill when it was based in 2015. The corporate was acquired in 2021 by Rocket Firms—which additionally owns Rocket Mortgage, Rocket Loans, and is the issuer of the Rocket Visa Signature® Card. Its title modified in late August, 2022.

Why did Truebill change to Rocket Cash?

Truebill modified to Rocket Cash following its acquisition by Rocket Firms. The product was renamed to suit alongside the remainder of the buying firm’s merchandise.

add your Apple Card to Rocket Cash

After many person requests, Rocket Cash has achieved performance with Apple Card—although Apple Financial savings accounts nonetheless can’t be synced to the platform. So as to add your Apple Card to Rocket Cash, merely choose the Settings icon, faucet on Linked Accounts, Faucet on Hyperlink a brand new establishment, and seek for Apple Card. Take into account it will solely work on the iOS app, not on net or Android gadgets.

** Empower Private Wealth, LLC (“EPW”) compensates Time Stamped for brand spanking new leads. Time Stamped will not be an funding consumer of Empower Advisory Group, LLC.