Updated 2026-02-15 · 4 min read
Rocket Money (formerly Truebill) charges $4-12/month ($48-144/year) for premium features including bill negotiation and "concierge cancellation." The irony: you're paying a subscription to help you cancel subscriptions. The free tier already finds your subscriptions — Premium just adds convenience features you can do yourself.
Rocket Money Premium is itself a subscription that charges you monthly to help cancel other subscriptions. If you've already used it to find and cancel your unwanted subs, its job is done. Continuing to pay is like keeping a moving company on retainer after you've already moved.
| Feature | Free | Premium ($4-12) |
|---|---|---|
| Find subscriptions | ✅ | ✅ |
| Track spending | ✅ | ✅ |
| Smart savings | ✅ | ✅ |
| Cancel subs for you | ❌ | ✅ |
| Negotiate bills | ❌ | ✅ (40% cut) |
| Credit score monitoring | ❌ | ✅ |
| Custom budget categories | ❌ | ✅ |
Rocket Money's bill negotiation service takes 40% of your first year's savings. If they save you $300/year on your cable bill, they keep $120. You can negotiate bills yourself — call your provider, say "I'm thinking of canceling," and ask for their retention offer. Same result, no fee.
If you've already identified and canceled your unwanted subscriptions, Rocket Money Premium has served its purpose. The free tier keeps tracking new subscriptions. Cancel Premium, save $48-144/year, and do the occasional bank statement audit yourself.
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