What You Get With Rowan

Rocket Cash has three tiers now. The free app, Premium at $7 to $14 a month, and Premium+ at $15 a month. Premium+ is the brand new one, and it’s constructed round Rowan, an AI assistant you textual content such as you’d textual content a buddy.

Premium+ prices a couple of {dollars} greater than the highest of the Premium vary, and it modifications two issues. You get Rowan, and Rocket Cash stops taking a minimize of no matter it saves you in your payments.

Each paid tiers open with a seven-day free trial. Earlier than you begin one, the FTC’s information to free trials and auto-renewals is value two minutes. Put the top date in your calendar when you’re eager about it.

On this article, we’ll undergo what every tier really contains, what Rowan does, and when that further $8 a month pays for itself.

What every Rocket Cash tier prices

Three tiers, and the most important soar between them shouldn’t be the one most individuals anticipate. Here’s what every prices earlier than we get to what every does.

Free is $0. Premium makes use of what Rocket Cash calls pay-what-you-think-is-fair pricing: you choose the quantity, and it sometimes lands between $7 and $14 a month. Rocket Cash says that vary is topic to alter. It was correct once we checked on September 15, 2026.

Premium+ is a flat $15 a month. No sliding scale, and Rocket Cash payments month-to-month on each paid tier.

Begin your seven-day free trial of Rocket Cash Premium

What every tier really contains

The worth hole between the tiers is small. The characteristic hole shouldn’t be, and it sits nearly fully between Free and Premium reasonably than between Premium and Premium+.

What the free tier covers

Greater than most individuals anticipate. You may hyperlink your financial institution accounts, bank cards and loans in a single place, see each subscription Rocket Cash finds, and browse your spending again by class, by payday, or on a calendar. You get a credit score rating, steadiness alerts, and the Monetary Training Heart. Funds classes work, however the variety of them is capped on the free model.

What the free model doesn’t do is act. It’ll present you a subscription you forgot about; it is not going to cancel subscriptions for you.

What Premium provides

That is the true improve, and it’s largely about doing issues reasonably than seeing them:

• Subscription cancellation help. Rocket Cash will cancel subscriptions in your behalf as an alternative of simply pointing at them.
• Limitless price range classes. The cap on the free tier comes off, and transaction tags, notes, splitting, automated guidelines and export all change on.
• Internet value monitoring and real-time sync throughout your linked financial institution accounts. Free reveals you balances; Premium retains them present and totals them.
• Credit score report monitoring. Free provides you a rating; Premium provides full credit score monitoring on prime of it.
• Monetary objectives and debt paydown, which automate saving as an alternative of reminding you to.
• Desktop, a customizable dashboard, iOS widgets and watch lists. Free is phone-only.

What Premium+ provides on prime

Precisely two issues, by Rocket Cash’s personal desk: Rowan, and invoice negotiation with no success price. Each different Premium characteristic is already included on the cheaper price, so the record of issues the additional $8 buys you is brief and particular.

What Rowan really does

Rowan is a textual content assistant. You ask it questions on your personal cash in plain language, the way in which you’d ask a buddy who occurs to be good with these things. What did I spend on groceries final month. Am I nonetheless paying for that trial I forgot to cancel.

The half Rocket Cash leans on is that Rowan acts on what it finds. It doesn’t simply flag a invoice you can decrease, it goes after it. Rocket Cash describes Rowan as a proactive monetary concierge that lives in your textual content messages.

Rowan is Premium+ solely. There’s no cut-down model on Free or on Premium, so if you would like it, $15 a month is the worth of entry.

The invoice negotiation price is the larger change

That is the half that’s straightforward to skip previous, and for some households it’s a much bigger deal than Rowan.

How the success price works

Rocket Cash will contact your supplier and attempt to carry a invoice down for you. On Free and on Premium, that service is paid for with a hit price: Rocket Cash retains 35% to 60% of your first 12 months’s financial savings, and after that first 12 months you retain all of it. On Premium+, there’s no success price in any respect.

So the comparability isn’t actually $8 a month for an AI assistant. It’s $8 a month for an AI assistant plus no matter that success price would have price you on the following invoice they get lowered.

See what Rocket Cash finds in your subscriptions

Who the $15 tier is for

4 conditions the place Premium+ provides up:

• You’ve bought payments you possibly can really decrease. Web, cellphone, cable and insurance coverage are the same old candidates. If Rocket Cash lowers even certainly one of them, skipping the success price can cowl the distinction by itself.
• You already pay close to the highest of the Premium vary. In case your Premium worth is ready at $14 then Premium+ prices you another greenback a month. That’s the entire hole!
• You need solutions by textual content, not one other dashboard to test. Rowan is constructed for individuals who’ll ask a query however received’t open an app to go searching.
• You’ve bought a messy month coming. Shifting, a brand new child, a brand new job. These are the months payments drift and subscriptions pile up unnoticed.

If none of these sound such as you, Premium on the worth you select does the core job. Looking subscriptions down, cancelling those you don’t need, credit score monitoring and spending monitoring are all in there.

The best way to strive it with out paying

The seven-day trial, and the catch

Each paid tiers begin with a seven-day free trial of every little thing Premium unlocks. It’s one trial per account, so don’t burn it on every week you’re too busy to open the app.

Cancel inside these seven days and also you aren’t charged. Rocket Cash payments month-to-month, so for those who change your thoughts in month three there’s no annual plan to unwind.

Get Rocket Cash Premium and begin cancelling

Unsure which tier you need? Begin the trial on Premium and watch what the app turns up in week one. If it finds payments you possibly can carry down, the Premium+ arithmetic will get straightforward from there.

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