Steward vs Rocket Money
Rocket Money is a finance app with a concierge behind its paid tier. Steward is an agent that does the work itself, for a flat price, and every dollar it saves you stays yours.
Find my subscriptionsWhat each one actually does with your bills.
| What you get | Steward | Rocket Money |
|---|---|---|
| Finds your subscriptions | Free | Free |
| Cancels them for you | The agent does itSigns into the merchant, completes the cancellation, shows you the response. | Its team helps, on PremiumCancellation assistance is part of the paid tier. |
| Keeps 100% of what you save | AlwaysNo percentage fees, no per-case fees. | Not on negotiationsIts terms set the fee at 35% to 60% of the first 12 months of savings. |
| Checks medical bills against your EOB | FreeThen disputes errors and appeals denials on Plus. | Not listedNot a published feature on its pages at last check. |
| Follows up until there is an answer | YesThe agent keeps checking back and tells you when something changes. | Not listedNot a published feature on its pages at last check. |
| Negotiates lower rates on bills | Not offeredSteward disputes errors and cancels services; it does not renegotiate rates. | Yes, for a cutThe fee is 35% to 60% of the first 12 months of savings. |
| Budgets, alerts, and net worth | Not offeredSteward is an agent, not a budgeting app. | YesBudgets, balance alerts, and spend tracking are core features. |
| What you pay | $15/month or $120/year flatFinding and checking are free. Plus covers agent actions. | You pick the Premium priceIts terms say you choose what you pay for Premium; the negotiation fee is separate. |
"Not listed" means the feature does not appear on Rocket Money's published pages as of August 13, 2026. Check its current pages before deciding, because published features and terms change.
A negotiation saves you $50 a month. Who keeps it?
That is $600 a year. At 35% to 60% of the first 12 months of savings, the service keeps $210 to $360 of it. With Steward Plus you pay $15/month or $120/year flat, and the $600 is yours.
A fair read of the other side.
Rocket Money is a good daily money app. If budgets, balance alerts, and net worth are what you want, with occasional concierge help, it is a reasonable pick. Steward is for handing the work itself to an agent: the cancellation completed at the merchant, the medical bill checked against the EOB, the dispute filed and followed until there is an answer.
Rocket Money's numbers, from Rocket Money's pages.
Checked August 13, 2026. The negotiation-fee range and choose-your-price membership come from Rocket Money's published Terms of Service, and the free and Premium feature split from its homepage.
Steward vs Rocket Money
Is Rocket Money free?
Rocket Money has a free tier that links accounts, tracks spending, and detects recurring charges. Cancellation help is part of Premium, and its terms say you choose the price you pay for Premium. Details are on rocketmoney.com.
What percentage does Rocket Money take for bill negotiation?
Rocket Money’s terms, checked August 13, 2026, say the negotiation fee is decided by the user, anywhere between 35% and 60% of the 12-month savings from the negotiation. Save $600 over a year and the fee is $210 to $360.
What does Steward cost?
Finding subscriptions and checking bills are free. Steward Plus is $15 per month or $120 per year flat when you want the agent to act. There are no per-case or percentage fees, so every dollar Steward saves you stays yours.
Does Rocket Money cancel subscriptions for you?
Rocket Money’s Premium tier includes cancellation help from its team. Steward is an agent rather than a concierge: it signs into the merchant or billing platform itself, completes the supported cancellation, and shows you the merchant’s response.
Which one should I choose?
Rocket Money is a personal-finance app with budgets, net worth, and a human concierge behind the paid tier. Steward is an agent you hand work to, priced flat. Want a daily budgeting app? Rocket Money is a reasonable pick. Want the cancellation or dispute handled and the full savings kept? That is what Steward is built for.
See your recurring charges, then hand one to the agent.
Finding subscriptions is free. Steward Plus handles supported cancellations and disputes for $15/month or $120/year, and every dollar saved is yours.