The five year number
Five years of Rocket Money comes to $420 on premium at $7 a month. Premium is a sliding scale, so the low figure assumes you pick $7. Rocket Money says the range can change and can differ across platforms. Verified 21 July 2026.
Year by year
| Time held | Rocket Money | Delphina |
|---|---|---|
| After 1 year | Rocket Money$0 on the free tier, $84 on premium at the bottom of the range, or $168 at the top | Delphina£119.88 |
| After 3 years | Rocket Money$252 on premium at $7 a month | Delphina£359.64 |
| After 5 years | Rocket Money$420 on premium at $7 a month | Delphina£599.40 |
Delphina Wealth Builder at £9.99 a month, held flat.
Premium is a sliding scale, so the low figure assumes you pick $7. Rocket Money says the range can change and can differ across platforms.
Costs that are not on the price list
These do not show up when you sign up, but they show up on your statement.
- Hidden cost: Bill negotiation costs 35% to 60% of the first year's savings, and it applies to free users too
- Hidden cost: No annual billing is published, so the subscription runs at the monthly rate indefinitely
- Hidden cost: FX fees on a UK card, because billing is in US dollars
Figures based on Rocket Money’s published prices(opens in a new tab), checked 21 July 2026.
What you are paying for
For us users who want forgotten subscriptions found and cancelled for them, that is a fair price. A genuinely useful free tier that includes subscription tracking and bill negotiation access. Letting people choose their own premium price is unusually honest, and every payer gets the same features.
A five year total always looks large written down. Judge it against what the tool actually changes, not against the headline on its own.
Plans and tiers
This page is about the running total. For the tier structure and what each plan includes, see Rocket Money pricing.
The same five years on Delphina
Delphina's Free plan is £0 for as long as you want it, no card. Wealth Builder is £9.99 a month, so five years is £599.40 if you stay on it the whole time, billed in pounds with no FX fee.
Rocket Money is better at the specific job of hunting down subscriptions and cancelling them, and its free tier is more generous than most. It is a US app aimed at this month's bills, so it has nothing to say about ISAs, SIPPs or whether your retirement date is realistic.
More on Rocket Money
Rocket Money: common questions
It is worth it for us users who want forgotten subscriptions found and cancelled for them. It is a poor buy for anyone who needs bill negotiation is charged at 35% to 60% of the first year's savings if it succeeds, because that is not what it is built to do.
3 things are not on the pricing page: bill negotiation costs 35% to 60% of the first year's savings, and it applies to free users too; no annual billing is published, so the subscription runs at the monthly rate indefinitely; fx fees on a uk card, because billing is in us dollars.
Rocket Money prices in US dollars and is aimed at the US market. A UK card would pay an FX fee on top. Any pound figure is an approximation at the exchange rate on the day, and that rate moves, so treat it as a guide rather than a fixed price.
Rocket Money's help centre states that new premium members get a seven-day free trial, and that once it ends the monthly subscription continues at the price you selected during signup. Seven days is short and the charge follows automatically, so set a reminder on day five.
Free tools in this category generally give up either the depth or the account connections. Delphina's free tier gives up the deeper scenario modelling that the paid plans carry, but costs £0 with no card and no expiry.