Gravity vs Rocket Money (2026): Which Is Worth Paying For?

Rocket Money Premium is cheaper. Its free plan already lists recurring charges, and Premium is a sliding scale you set yourself, commonly quoted at $7 to $14 a month. Gravity is $19.99/month or $59.99/year, and what you get for the difference is that nothing links to a bank or card account, the list stays on your iPhone, and every service comes with checked, step-by-step cancellation instructions. If price alone decides it, Rocket Money wins and this page will not pretend otherwise.

There is no single published number. Rocket Money's help center describes Premium as a sliding scale where you choose what to pay, after a 7-day free trial, and the range is commonly quoted at about $7 to $14 a month; the exact options differ by platform, so check the price the app shows you before you commit. Bill negotiation is charged separately, as a one-time 35 to 60 percent of the first year's savings, and nothing at all if the negotiation fails.

Yes, on Premium. Its help center describes tapping the three dots next to a subscription and choosing 'Cancel this for me', with cancellations typically processed in 2 to 10 business days; you can also choose 'View instructions' and do it yourself. Gravity works the other way around. It never contacts a company on your behalf, it gives you the current steps for that provider and you make the cancellation.

Sometimes, and the reverse is true too. Rocket Money reads the accounts you link, so it surfaces recurring charges you had forgotten about, but only on the cards and accounts you actually connect. Gravity shows exactly what you entered, which means it covers an App Store subscription, a PayPal billing agreement or a card you never link, and misses anything you forget to add. The most complete picture is your phone's own list at Settings > [your name] > Subscriptions plus one tracker you keep current.

With Gravity the list is stored locally on your iPhone, per its privacy policy, so it goes away when you delete the app and there is no server-side copy to retrieve. Rocket Money keeps your data in its cloud alongside the accounts you linked, so ending Premium drops you back to its free plan rather than deleting anything, and closing the account entirely means asking Rocket Money's support to remove your data. Either way, keep your own note of the renewal dates that matter.

It can, and plenty of people do. Rocket Money's free plan is a reasonable way to spot recurring charges on the cards you are willing to link. Gravity is then where the full list lives, including everything billed outside those accounts, along with the steps to end each one. The cost of that combination is that you have given one company read access to your accounts, which is the exact thing a no-link app exists to avoid. A fuller side-by-side is at /blog/rocket-money-vs-gravity.