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A budget is the first step in every debt plan the CFPB describes. Apps help; here is what is free, what costs extra and how fees are worked out.
Rocket Money Help Center, read Oct 2, 2026. See source
| If you are asking | Start with | Link |
|---|---|---|
| Just want to see your spending? | A free plan covers tracking and budgets | Free versus paid |
| Paying for subscriptions you forgot? | Recurring charge tracking, also free | Read more |
| Want someone to lower your bills? | Work out the fee before you agree | Fee examples |
Budgeting apps link to your bank and card accounts, group your spending and flag recurring charges. The CFPB's advice on consolidation starts with making a budget and finding out why the debt built up3.
Free versus paid. Rocket Money says its free plan includes subscription tracking, budgeting and bill reminders, and that its Premium plan is priced on a sliding scale you choose, with a 7-day free trial1.
Bill negotiation. Rocket Money also negotiates bills such as cable, internet and phone. If it succeeds, it charges a one-time fee of 35% to 60% of your first year's savings, at a percentage you choose; if it does not, there is no fee. The fee is charged after a 48-hour window and is not refundable once charged, though you can set up a payment plan of up to 12 months12.
Arithmetic from the published range; you pick the percentage, and there is no fee if the negotiation fails.
| Saving | Per month | First year | Fee at 35% | Fee at 60% |
|---|---|---|---|---|
| Small1 | $10 | $120 | $42 | $72 |
| Medium1 | $20 | $240 | $84 | $144 |
| Large1 | $50 | $600 | $210 | $360 |
| Source | Example amounts | Our arithmetic | Rocket Money Help CenterRead Oct 2, 2026 | Rocket Money Help CenterRead Oct 2, 2026 |
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Good for tracking spending and cancelling forgotten subscriptions
Also on Rocket Money's site
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Fees, prices and program terms belong to each provider and can change. The provider's own page is the final word, and the provider decides every application.
