The short answer
Rocket Money gives you 7 days free and does not ask for a card to start, so access simply stops at the end. Verified 21 July 2026.
During the 7 days
Nothing is held back. The trial is the full product for 7 days, which is long enough to see a full pay cycle through.
When it ends
On day 7 access stops. No card was taken, so nothing is charged and there is nothing to cancel.
How to cancel
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.
Cancellation processes change. Check Rocket Money's own page before you rely on this.
Free options in the same category
Several tools in the budgeting category have permanent free tiers rather than trials, and each gives up something different: usually either the account connections or the depth of analysis. Delphina's free plan is one of them, and it gives up the deeper scenario modelling that the paid plans carry.
For what Rocket Money costs once the trial is over, see Rocket Money pricing.
Trying Delphina instead
Delphina does not run a trial, because the Free plan does not expire. No card, no countdown, nothing to cancel. If it turns out to be useful, Wealth Builder is £9.99 a month. If it is not, leave it alone and it costs nothing.
More on Rocket Money
Rocket Money: common questions
7 days. Verified on 21 July 2026.
No. Rocket Money does not ask for a card to start the trial, so it ends rather than rolling into a charge.
Access stops. You are not charged, because no card was taken.
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.
Yes, and it is worth separating from the trial. The free tier is permanent and covers subscription and bill tracking, so a lot of people never need to pay. Rocket Money states the premium price is chosen by the member on a sliding scale, and that everyone gets the same features whatever they pick.
It depends what you are replacing. For day to day spending, several UK apps have permanent free tiers with limited features. For the pension and retirement side, Delphina's free plan is £0 with no card and no expiry, though it is not a like-for-like replacement for what Rocket Money does for us users who want forgotten subscriptions found and cancelled for them.