Neither Rocket Money nor Bobby pays us anything, and this page carries no affiliate links at all — a subscription tracker isn’t something we can earn a commission on. Where we do earn, we say so. See our methodology.
There is a strange gap in the middle of this comparison. Rocket Money Premium costs somewhere between $4 and $14 a month depending on which of Rocket Money’s own pages you read — $48 to $168 a year. Bobby costs $2.99, once, forever.
That is not a small difference in price. It is a difference of roughly fifty times, every year, and 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. The paid tier, Premium, uses a sliding scale where you pick your own monthly price.
Here is where it gets awkward, and it’s worth knowing before you sign up: Rocket Money publishes two different price ranges on two of its own pages.
- Its Terms of Service (the 24 October 2024 version, the one currently linked from the site) says: an optional premium fee of between $4 and $12 per month, plus applicable taxes.
- Its own “How much does Rocket Money cost?” Learn article says Premium is “typically ranging from $7 to $14 per month, though this range is subject to change.”
Both read on 16 August 2026. We’re not going to pretend one of them is the real number. Annualised, the honest statement is that Premium costs between $48 and $168 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. Treat them as evidence that the slider genuinely moves, not as a price list.
Two other fees are clearly documented and worth knowing:
- Bill negotiation is separate and success-based. 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 yourself. If they fail, you pay nothing. That’s from the Terms of Service and repeated in the help centre.
- 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 Rocket Money’s two published ranges — call it $9 a month, $108 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 $108 a year, Premium has to kill roughly one forgotten $9-a-month subscription — a single mid-tier 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.
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 $108 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 $108 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 | $4–$14/mo, i.e. $48–$168/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 | $48–$168 | $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 lists iPhone, Mac (M1 or later) and Apple Vision Pro, requiring iOS 14 or later. An Android listing exists in search results but returns a 404 on Google Play as of 16 August 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 $108 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 low — the bottom of their published range, not the middle — and diarise a review at 11 months. 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, but paying yearly is usually where the discount lives.
Verified 16 August 2026. Rocket Money’s price range comes from Rocket Money’s own Terms of Service and its own Learn article, which disagree — both are quoted above rather than averaged into a single confident number. The bill-negotiation fee, free trial and 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. The Google Play 404 was checked on the date above. We could not confirm any annual billing option for Rocket Money Premium on the company’s own pages, so we don’t claim one exists.