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There is a strange gap in the middle of this comparison. Rocket Money Premium typically costs $7 to $14 a month by Rocket Money’s own account — $84 to $168 a year — and its fixed-price Premium+ tier is $15 a month, $180 a year. Bobby costs $2.99, once, forever.
That is not a small difference in price. Even at the bottom of Premium’s typical range it is about 28 times Bobby’s one-off price, every year; at the top, about 56 times. It exists because the two apps do fundamentally different jobs. One reads your bank account and cancels things for you. The other is a list you type in yourself.
The question isn’t which is better. It’s whether the expensive one recovers its own cost.
What each one actually charges
Rocket Money is free to download and free to use at a basic level — that’s stated on Rocket Money’s own help centre. There are two paid tiers: Premium, which uses a sliding scale where you pick your own monthly price, and Premium+, which has a fixed price.
Here is where it gets awkward, and it’s worth knowing before you sign up: Rocket Money’s contract no longer names a price for Premium at all.
- Its Terms of Service (marked “Effective 10/02/2026”, the version linked from the site) now describe only a premium fee “which may vary in price”. The earlier version’s $4-to-$12 range is gone.
- Its own “How much does Rocket Money cost?” Learn article says Premium “typically falls between $7 and $14 per month, though this range is subject to change,” and lists Premium+ at $15 a month — “a fixed $15.00/month plus tax”, per the help centre.
All read from Rocket Money’s own pages on 14 October 2026. That Learn article is now the only dollar range Rocket Money publishes for Premium, and it’s a “typical” range, not a promise. Annualised, Premium typically costs $84 to $168 a year, Premium+ $180 a year, and you find out where you land in the signup flow.
For a third data point, Apple’s App Store listing for Rocket Money shows in-app purchases labelled “Premium” at $2.99, $4.99, $5.99, $6.99, $8.99 and $9.99 — Apple doesn’t publish the billing period next to them, so we can’t tell you whether those are monthly rates or something else. Four of the six are below the Learn article’s $7 floor; the help centre says prices “can vary at times and across platforms”. Treat them as evidence that the slider genuinely moves, not as a price list.
Two other terms are clearly documented and worth knowing:
- Bill negotiation changes on 2 November 2026. Until then, if Rocket Money gets a bill lowered you pay a one-time fee of 35–60% of the 12-month savings, a percentage you choose, and nothing if it fails. From that date the Terms make negotiation “exclusively a Premium+ feature” with no fee, and the help centre says there’s no paid, à-la-carte option (negotiations already in progress finish under the old fee). Rocket Money’s own example — a $10-a-month cut, $120 saved in a year — costs $48 once at a 40% fee today. After 2 November it needs Premium+ at $15 a month: $1 to $8 a month, or $12 to $96 a year, more than Premium’s typical range.
- A 7-day free trial for new Premium members, per the help centre — though its signup article hedges it to “most new users are eligible”, so don’t assume.
Bobby, made by the design studio Yummygum, is free to download with one-time in-app purchases. Apple’s listing shows All-in-one Pack v2 at $2.99, an older All-in-one Pack at $1.99, and four individual unlocks — subscription limit, category limit, security and visuals — at $0.99 each. Version 3.10.4, last updated 9 December 2025. There is no recurring charge of any kind.
The calculation: what Premium has to find to pay for itself
Take the midpoint of the only Premium range Rocket Money publishes, $7 to $14 — call it $10.50 a month, $126 a year. Now do this:
Add up every subscription Rocket Money got you to cancel in the last 12 months. Multiply each one by its monthly price. If the total is less than what you paid Rocket Money, Premium is costing you money.
At $126 a year, Premium has to kill roughly one forgotten $10.50-a-month subscription — a single streaming service — just to break even. That’s a genuinely achievable bar in year one, when the app surfaces things you’d stopped thinking about. Premium+ raises the bar to $15 a month, $180 a year.
Year two is the problem. Cancelling is a one-time act; the saving repeats for free, but the fee repeats too. So in year two Premium has to find another $126 of waste you didn’t already know about, from an account it has already cleaned once. For most households it won’t, because after the first purge there simply isn’t $126 a year of forgotten spending left to find.
Bobby’s break-even is $2.99, ever. It clears that the first time it stops you renewing anything.
Side by side
| Rocket Money free | Rocket Money Premium | Bobby | |
|---|---|---|---|
| Price | $0 | Typically $7–$14/mo, i.e. $84–$168/yr (Premium+ $15/mo, $180/yr) | $2.99 one-time |
| How it finds subscriptions | Reads linked bank accounts | Reads linked bank accounts | You type them in |
| Can cancel for you | No — view only | Yes | No |
| Web access | No | Yes | No |
| Android | Yes | Yes | No — Play listing 404s |
| Recurring cost after year 1 | $0 | $84–$168 (Premium+ $180) | $0 |
Rocket Money’s own feature page puts the cancellation service, web access, unlimited budget categories, Experian credit reports, net worth tracking, automated savings, real-time syncing, account sharing and data export behind Premium. Free members can see the subscriptions the app detects, but can’t have it cancel them.
What Bobby genuinely can’t do
Be clear-eyed about this, because the price gap tempts people into the wrong choice.
Bobby never sees your bank account. Everything in it is typed in by hand, picked from a built-in database of services. That means it will never tell you about the subscription you forgot — it only knows what you already remembered. If your problem is “I don’t know what I’m paying for”, Bobby cannot solve it and Rocket Money can. Our guide to finding forgotten subscriptions exists precisely because that discovery step is the hard part.
Bobby is effectively Apple-only. The App Store’s compatibility section lists iPhone, Mac (M1 or later) and Apple Vision Pro, requiring iOS 14 or later, though the listing’s header now reads “Designed for iPhone. Not verified for macOS.” An Android listing exists in search results but returns a 404 on Google Play as of 14 October 2026, so treat Bobby as unavailable on Android until that changes.
The flip side is a real advantage: because Bobby holds no bank connection, there’s nothing financial to leak. Its App Store privacy label lists purchase history, user ID, device identifiers and usage diagnostics — and no financial account data at all.
The version that costs nothing
Before either: your bank’s own statement search, plus the subscription screens already on your phone. Apple and Google both list every subscription billed through their stores in one place, and 90 days of bank statements will surface the rest. That’s an afternoon, it costs $0, and it’s how we’d suggest anyone start — see the five subscriptions people most often forget.
Do that once and you’ll know whether you have an ongoing discovery problem worth $126 a year, or a one-off cleanup you’ve now finished.
The verdict
Pay for Rocket Money Premium if you genuinely don’t know what’s leaving your account, you have several accounts or cards, and you want something else to do the cancelling. Set your slider to the lowest price the signup flow offers, not the middle — at the $7 floor of Rocket Money’s published range that’s $84 a year — and diarise a review at 11 months. If bill negotiation is the draw, note that from 2 November 2026 it needs Premium+ at $15 a month. Rocket Money is the only one of the two that can find what you’ve forgotten.
Buy Bobby if you already know your subscriptions and want a tidy $2.99 record of renewal dates that never bills you again. Bobby is a good list, on an iPhone, for the price of a coffee.
Don’t pay for Rocket Money Premium if you’ve already done a subscription audit and your list is short and stable. You’d be paying up to $168 a year to be told things you know, and that fee is itself the kind of quiet recurring charge this site exists to point at. Downgrade to free and keep the detection.
Don’t buy Bobby if you’re on Android — you currently can’t — or if your actual problem is discovery rather than record-keeping. Manual entry can’t reveal what you’ve forgotten.
And if you keep Premium, check whether an annual option appears at signup. Rocket Money’s help pages only document monthly billing, and while its Terms now authorise debits “monthly or annually” for Premium and Premium+, no Rocket Money page we could find names an annual price. Paying yearly is usually where the discount lives.
Verified 14 October 2026. Rocket Money’s $7–$14 Premium range comes from its own Learn article, and the $15 Premium+ price from that article and its help centre; its Terms of Service (marked “Effective 10/02/2026”) no longer state any dollar range, so the earlier version’s $4–$12 is no longer quoted. The bill-negotiation fee and its move to Premium+ on 2 November 2026, the free trial and the Premium feature list come from Rocket Money’s Terms and help centre. Bobby’s prices, version, platforms and privacy label come from Apple’s App Store listing, now titled “Bobby – Track subscriptions”. The Google Play 404 was re-checked on the date above. Rocket Money’s Terms allow monthly or annual billing, but we could not find an annual price on the company’s own pages, so we don’t quote one.