Planned vs. Rocket Money
Rocket Money trims what you're wasting. Planned does that too, and then helps you decide what to do with the rest, with a plan, a score, and a real person when you need one.
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Where Rocket Money genuinely shines
Rocket Money made its name doing one thing very well: finding subscriptions you forgot about and canceling them for you. It's backed by a major brand, its apps are highly rated, and the free tier makes it the lowest-effort way to start cleaning up recurring charges. Its bill-negotiation service can also lower some bills, though it keeps 35–60% of the first year's savings as its fee.
Planned and Rocket Money, side by side
Facts verified July 2026. Rocket Money's pricing and features change; check their site for current details.
Cutting waste is step one. Planned is the rest of the plan.
Subscription detection is built into Planned too, but a cleaned-up subscription list isn't a financial plan. Planned adds a 10-area plan with scored next steps, a financial health score that updates as your money changes, budgets drafted from your real spending, and an AI coach that knows your numbers. And when the question is bigger than a bill, like debt strategy, saving for a house, or whether you're on track, the Coach plan gives you a CFP® professional to talk it through with.
What each one costs
AI plan: $14.99/mo or $99.99/yr with a 7-day free trial on annual. Coach plan: $49.99/mo or $499.99/yr with a 30-day money-back guarantee, including unlimited messaging with a CFP® professional and a monthly video call.
Rocket Money has a free tier; Premium runs about $7–14/mo on a pay-what's-fair scale. Bill negotiation is charged separately at 35–60% of the first year's savings.
Rocket Money's negotiation fee is billed when a negotiation succeeds, on top of any subscription.
Common questions
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