{ "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-14", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "tool": { "slug": "rocket-money", "name": "Rocket Money", "vendor": "Rocket Money, Inc.", "vendorUrl": "https://www.rocketmoney.com", "kind": "platform", "category": "personal-finance", "summary": "Rocket Money is a personal finance app for iOS, Android and the web that tracks spending, budgets and net worth, finds and cancels subscriptions and negotiates bills. Its AI assistant, Rowan, works by text message.", "url": "https://www.anchorterminal.com/tools/rocket-money", "markdownUrl": "https://www.anchorterminal.com/tools/rocket-money.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/rocket-money.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/rocket-money.json", "license": "Closed service under the Rocket Money Terms of Service (Rocket Money, Inc., formerly Truebill, Inc.).", "transports": [], "packages": [], "auth": "mixed", "authNotes": "A Rocket Money account on the web or in the app. Bank accounts connect through Plaid or Akoya, and Rocket Money says it never sees bank passwords (https://www.rocketmoney.com/security). Rowan answers by RCS text message to the primary member on Premium+ (https://www.rocketmoney.com/llms.txt). No credential exists for an outside agent.", "pricing": "freemium", "pricingNotes": "Free to use. Premium is priced by the member, typically $7 to $14 a month after a seven-day free trial, and Premium+ is $15 a month plus tax with Rowan and bill negotiation at no success fee. On the free and Premium tiers bill negotiation costs 35 to 60 per cent of first-year savings (https://www.rocketmoney.com/llms.txt). The App Store lists Premium in-app purchases from $2.99 to $9.99 (https://apps.apple.com/us/app/id1130616675, checked 14 October 2026).", "priceSummary": "Freemium", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 found on rocketmoney.com, llms.txt or the terms, checked 14 October 2026.", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-14" }, "llmsTxt": "https://www.rocketmoney.com/llms.txt", "capabilities": [ "finance.subscriptions", "finance.cancellation", "finance.bills", "finance.budgets", "finance.transactions" ], "tags": [ "hosted", "official", "closed-source", "freemium", "ios", "android", "web", "llms-txt", "not-for-agents" ], "lastRelease": "2026-10-13", "graded": true, "anchor": { "graded": true, "score": 17, "grade": "F", "agentReady": false, "rank": 1046, "ranked": true, "rankOf": 1076, "categoryRank": 6, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 0, "maintenance": 56, "payments": 30, "reliability": 15, "schema": 10, "security": 0, "transparency": 43 }, "pending": [ "performance", "tasks" ], "breakdown": [ { "key": "reliability", "name": "Reliability", "weight": 16, "effectiveWeight": 20, "score": 15, "points": 3, "reason": "Read with the hosted lines. No status page found, and status.rocketmoney.com has no DNS record (0). No readable incident history (5). No limits published, and no interface for an outside agent (0). No overload or retry guidance (0). No SLA (0). The app has been on the App Store since 5 July 2016 and isn't labelled beta (10)." }, { "key": "performance", "name": "Performance", "weight": 10, "effectiveWeight": 0, "pending": true, "points": 0, "reason": "Pending. Latency is measured per call by our probes, which haven't run yet, so this run doesn't score it. Its weight is shared across the assessed categories until the first probe window closes." }, { "key": "schema", "name": "Schema \u0026 documentation", "weight": 13, "effectiveWeight": 16.25, "score": 10, "points": 1.63, "reason": "Graded on the interface an outside agent can use. Rocket Money has no API or MCP server, so the contract, description, typed-input and example lines score nothing (0 of 25, 0 of 20, 0 of 15, 0 of 15). rocketmoney.com/llms.txt describes the product, prices and help articles in Markdown (10). With no agent interface there is nothing to version (0 of 15), the reading used for every listing without one." }, { "key": "ergonomics", "name": "Agent ergonomics", "weight": 13, "effectiveWeight": 16.25, "score": 0, "points": 0, "reason": "Graded on the interface an outside agent can use. Rocket Money has none, so context cost, pagination, errors, retries and defaults have nothing to score (0 on each line). This says nothing about the app for people." }, { "key": "security", "name": "Security \u0026 auth", "weight": 14, "effectiveWeight": 17.5, "score": 0, "points": 0, "reason": "Graded on the interface an outside agent can use. With none, the credential, least-privilege, injection and audit lines score nothing (0 of 30, 0 of 20, 0 of 15, 0 of 15). For the record, Rowan asks for explicit confirmation before acting, and bank credentials stay with Plaid or Akoya. The security page describes encryption but no disclosure policy, bug bounty or certification, and security.txt returns 404 (0 of 20)." }, { "key": "payments", "name": "Payments \u0026 pricing", "weight": 10, "effectiveWeight": 12.5, "score": 30, "points": 3.75, "reason": "Read with the hosted rule. No x402, MPP or L402 (0). Plan prices are public in llms.txt, Premium at a member-chosen $7 to $14 a month and Premium+ at $15, with the 35 to 60 per cent negotiation fee stated (10). The app is free to use without a card (20). A person signs up on the web or in the app (0)." }, { "key": "tasks", "name": "Task success", "weight": 10, "effectiveWeight": 0, "pending": true, "points": 0, "reason": "Pending. Task success needs the category task suites run through each tool, which haven't run yet, so this run doesn't score it. Its weight is shared across the assessed categories until then. A data provider's data-quality score is published on its listing now and becomes half of this category when it's scored." }, { "key": "maintenance", "name": "Maintenance \u0026 community", "weight": 7, "effectiveWeight": 8.75, "score": 56, "points": 4.9, "reason": "Read for a closed service. iOS 16.5.0 on 13 October 2026 (30). Sixteen iOS versions from 7 July to 13 October (20). Release notes are mostly generic, with a help centre at help.rocketmoney.com and a company updates page, untested (6 of 15). No MCP server or SDK (0). No package or CI to judge (0)." }, { "key": "transparency", "name": "Transparency \u0026 trust", "weight": 7, "effectiveWeight": 8.75, "score": 43, "points": 3.76, "note": "editorial 31, provenance 55", "reason": "Closed service under dated terms naming Rocket Money, Inc., with earlier versions archived (15). The privacy policy at rocketaccount.com answered 403 and wasn't read; the security page and the terms' Google API limited-use section state some data handling, with no retention periods seen (8 of 30). Dated archived terms but no deprecation policy (2 of 20). Plaid and Akoya are named for bank data and Anthropic for Rowan's models, with no full subprocessor list or regions (6 of 20)." } ], "assessment": { "date": "2026-10-14", "basis": "public evidence", "confidence": "medium", "notes": { "ergonomics": "Graded on the interface an outside agent can use. Rocket Money has none, so context cost, pagination, errors, retries and defaults have nothing to score (0 on each line). This says nothing about the app for people.", "maintenance": "Read for a closed service. iOS 16.5.0 on 13 October 2026 (30). Sixteen iOS versions from 7 July to 13 October (20). Release notes are mostly generic, with a help centre at help.rocketmoney.com and a company updates page, untested (6 of 15). No MCP server or SDK (0). No package or CI to judge (0).", "payments": "Read with the hosted rule. No x402, MPP or L402 (0). Plan prices are public in llms.txt, Premium at a member-chosen $7 to $14 a month and Premium+ at $15, with the 35 to 60 per cent negotiation fee stated (10). The app is free to use without a card (20). A person signs up on the web or in the app (0).", "reliability": "Read with the hosted lines. No status page found, and status.rocketmoney.com has no DNS record (0). No readable incident history (5). No limits published, and no interface for an outside agent (0). No overload or retry guidance (0). No SLA (0). The app has been on the App Store since 5 July 2016 and isn't labelled beta (10).", "schema": "Graded on the interface an outside agent can use. Rocket Money has no API or MCP server, so the contract, description, typed-input and example lines score nothing (0 of 25, 0 of 20, 0 of 15, 0 of 15). rocketmoney.com/llms.txt describes the product, prices and help articles in Markdown (10). With no agent interface there is nothing to version (0 of 15), the reading used for every listing without one.", "security": "Graded on the interface an outside agent can use. With none, the credential, least-privilege, injection and audit lines score nothing (0 of 30, 0 of 20, 0 of 15, 0 of 15). For the record, Rowan asks for explicit confirmation before acting, and bank credentials stay with Plaid or Akoya. The security page describes encryption but no disclosure policy, bug bounty or certification, and security.txt returns 404 (0 of 20).", "transparency": "Closed service under dated terms naming Rocket Money, Inc., with earlier versions archived (15). The privacy policy at rocketaccount.com answered 403 and wasn't read; the security page and the terms' Google API limited-use section state some data handling, with no retention periods seen (8 of 30). Dated archived terms but no deprecation policy (2 of 20). Plaid and Akoya are named for bank data and Anthropic for Rowan's models, with no full subprocessor list or regions (6 of 20)." }, "sources": [ { "what": "llms.txt", "url": "https://www.rocketmoney.com/llms.txt", "seen": "2026-10-14" }, { "what": "terms of service", "url": "https://www.rocketmoney.com/terms", "seen": "2026-10-14" }, { "what": "security page", "url": "https://www.rocketmoney.com/security", "seen": "2026-10-14" }, { "what": "Rowan page", "url": "https://www.rocketmoney.com/rowan", "seen": "2026-10-14" }, { "what": "App Store listing and version history", "url": "https://apps.apple.com/us/app/id1130616675", "seen": "2026-10-14" }, { "what": "robots.txt", "url": "https://www.rocketmoney.com/robots.txt", "seen": "2026-10-14" }, { "what": "privacy policy host (403)", "url": "https://www.rocketaccount.com/#/privacy-policy", "seen": "2026-10-14" }, { "what": "status subdomain DNS lookup", "url": "https://dns.google/resolve?name=status.rocketmoney.com\u0026type=A", "seen": "2026-10-14" } ], "openQuestions": [ "unchecked: the privacy policy at rocketaccount.com, which answered 403.", "Whether Rocket Money runs a disclosure programme or holds any security certification." ] }, "negative": 0, "verdict": "Rocket Money combines budgeting, subscription cancellation and bill negotiation for people in its app and through Rowan, a text-message assistant, with weekly iOS releases. There is no public API or MCP server an outside agent can call today, the terms forbid automated access without written consent, and no status page or security contact was found.", "bestFor": "People in the US who want subscription cancellation and bill negotiation done for them.", "strengths": [ "Free tier, with Premium priced by the member at about $7 to $14 a month and Premium+ at $15.", "Bank connections go through Plaid or Akoya, so Rocket Money doesn't hold bank passwords, per its security page.", "Sixteen iOS releases between 7 July and 13 October 2026.", "Rowan asks for the member's confirmation before acting, and cancellations go through human-verified workflows, per llms.txt." ], "weaknesses": [ "No public API or MCP server an outside agent can call.", "The terms forbid robots, scrapers and other automated access without Rocket Money's express written consent.", "Bill negotiation on the free and Premium tiers costs 35 to 60 per cent of first-year savings.", "No status page or security.txt, and the privacy policy at rocketaccount.com answered 403." ], "agentNotes": [ "Don't plan to call Rocket Money from another agent. There is no public API or MCP server, so hand subscription and bill tasks to the member in the app or Rowan.", "Don't use unofficial clients that take the member's session cookie. The terms forbid automated access without written consent.", "Tell the member bill negotiation costs 35 to 60 per cent of first-year savings unless they pay $15 a month for Premium+." ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "F", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 17 } ], "editorialScores": { "ergonomics": 0, "maintenance": 56, "payments": 30, "reliability": 15, "schema": 10, "security": 0, "transparency": 31 }, "provenanceScore": 55 }, "connect": {}, "letme": { "capability": "https://letme.dev/finance.subscriptions", "tool": "https://letme.dev/rocket-money" }, "notable": [ "Rowan, launched with iOS 16.0.0 on 2 September 2026, texts members, answers from their linked accounts and starts cancellations or negotiations after explicit confirmation (https://www.rocketmoney.com/llms.txt)", "llms.txt says Rowan is built on Anthropic models; Anchor Terminal's graders run on Anthropic's Claude models (https://www.rocketmoney.com/llms.txt)", "The terms forbid any robot, spider, scraper or other automated tool to access or monitor the services without Rocket Money's express written consent (https://www.rocketmoney.com/terms)", "Bank data arrives through Plaid or Akoya tokens, and data at rest is encrypted with 256-bit AES, per the security page (https://www.rocketmoney.com/security)", "Rocket Money, Inc. is a subsidiary of Rocket Companies, Inc. and says it has more than 10 million members (https://www.rocketmoney.com/llms.txt)" ], "area": "domain-data", "details": [ { "label": "Surface listed", "value": "The Rocket Money app, website and Rowan, read from rocketmoney.com, llms.txt, the security page, the terms and the App Store listing on 14 October 2026. No account was created." }, { "label": "Outside agent access", "value": "None. No public API, MCP server or developer page was found, and the terms forbid automated access without written consent." }, { "label": "What it acts on", "value": "Linked bank and card transactions, budgets, net worth, credit score, subscription cancellations and bill negotiations (https://www.rocketmoney.com/llms.txt)." }, { "label": "Bank connections", "value": "Plaid and Akoya (https://www.rocketmoney.com/security)." }, { "label": "Company", "value": "Rocket Money, Inc. (formerly Truebill, Inc.), 8455 Colesville Road, Silver Spring, MD, a subsidiary of Rocket Companies, Inc. (https://www.rocketmoney.com/terms)." } ], "provenance": { "legalEntity": "Rocket Money, Inc.", "domain": "rocketmoney.com", "domainRegistered": "2012-05-13", "endpointOnVendorDomain": null, "terms": "https://www.rocketmoney.com/terms", "privacy": "https://www.rocketaccount.com/#/privacy-policy", "statusPage": "", "changelog": "", "securityTxt": "none", "checked": "2026-10-14", "notes": [ "The terms are effective 2 October 2026, with earlier versions archived under /terms/.", "The privacy policy is linked from llms.txt at rocketaccount.com, which answered 403 to our fetch, so it was not read.", "rocketmoney.com/.well-known/security.txt returns 404. status.rocketmoney.com has no DNS record.", "RDAP gives a registration date of 2012-05-13 for rocketmoney.com." ], "score": 55, "checks": [ { "check": "Legal entity named", "value": "Rocket Money, Inc.", "points": 20, "max": 20, "state": "ok" }, { "check": "Domain age", "value": "rocketmoney.com, registered 2012-05-13 (14 years)", "points": 15, "max": 15, "state": "ok" }, { "check": "Endpoint on the vendor's domain", "value": "no hosted endpoint", "points": 0, "max": 0, "state": "na" }, { "check": "Terms of service", "value": "read, states 6 of the 7 things a reader expects, and has 2 clauses that cost points", "points": 5.1, "max": 10, "state": "part" }, { "check": "Privacy policy", "value": "published, but our reader couldn't read it", "points": 7, "max": 10, "state": "part" }, { "check": "Status page", "value": "not found", "points": 0, "max": 10, "state": "no" }, { "check": "Changelog", "value": "not found", "points": 0, "max": 10, "state": "no" }, { "check": "security.txt", "value": "not found", "points": 0, "max": 10, "state": "no" } ], "policies": [ { "kind": "terms", "url": "https://www.rocketmoney.com/terms", "state": "read", "readAt": "2026-10-14", "statedDate": "2023-12-01", "words": 15184, "points": 5.1, "max": 10, "expected": [ { "key": "terms.date", "label": "Gives the date it was last updated", "found": true, "quote": "As of December 1, 2023, the price you pay for Premium or Premium+ is not inclusive of any applicable taxes. Therefore, if you are in a state and/or municipality that charges an additional tax, the re…", "says": "Last updated 2023-12-01" }, { "key": "terms.law", "label": "Names the governing law or courts", "found": true, "quote": "…BASIS, AND (3) YOU MAY NOT BE ABLE TO HAVE ANY CLAIMS YOU HAVE AGAINST US RESOLVED BY A JURY OR IN A COURT OF LAW." }, { "key": "terms.liability", "label": "States a limit on its liability", "found": true, "quote": "NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THIS AGREEMENT, ROCKET MONEY’S LIABILITY TO YOU FOR ANY CAUSE WHATEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO A MAXIMUM OF $500.00 (FIVE HUNDRED UNITED STATES DOLLARS).", "says": "Capped at $500.00" }, { "key": "terms.termination", "label": "Says how the agreement or account can be ended", "found": true, "quote": "Rocket Money does not guarantee that the Agent Services will be error-free, uninterrupted, or available at all times, and may modify, suspend, or discontinue the Agent Services at any time." }, { "key": "terms.changes", "label": "Says how changes to the terms are announced", "found": true, "quote": "TO OPT OUT, YOU MUST, WITHIN 30 DAYS OF OCTOBER 24rd, 2024, SEND AN EMAIL TO US AT NOTICE@ROCKETMONEY.COM FROM THE EMAIL ASSOCIATED WITH YOUR ROCKET MONEY ACCOUNT WITH \"I opt-out of the updates to the arbitration terms.\" An election to opt out applies only to Claims arising under this Agreement or, if this Agreement i…", "says": "Gives 30 days of notice before a change" }, { "key": "terms.use", "label": "Lists what users may not do", "found": true, "quote": "If you don't agree to this Agreement, then you may not use the Services." }, { "key": "terms.sla", "label": "Refers to a service level or uptime commitment", "found": false } ], "toKnow": [ { "key": "terms.automated", "label": "Restricts automated access", "found": true, "quote": "Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Services or any portion of the Services, without Rocket Money's express written consent", "costsPoints": true }, { "key": "terms.nonotice", "label": "Says the terms or the service can change without notice", "found": true, "quote": "Rocket Money reserves the right, at any time and from time to time, to modify or discontinue, temporarily or permanently, the Sites or Services with or without notice.", "costsPoints": true }, { "key": "terms.cutoff", "label": "Says access can be ended without notice or for any reason", "found": true, "quote": "Rocket Money may, at any time, suspend your account and/or terminate its legal agreement with you and your access to the Services for any reason, and at any time, with or without notice." }, { "key": "terms.arbitration", "label": "Requires arbitration or waives class actions", "found": true, "quote": "THE AGREEMENT TO ARBITRATE REQUIRES (WITH LIMITED EXCEPTION) THAT YOU SUBMIT CLAIMS YOU HAVE AGAINST US TO BINDING AND FINAL ARBITRATION, AND FURTHER (1) YOU WILL ONLY BE PERMITTED TO PURSUE CLAIMS AGAINST COMPANY ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCE…" } ], "notes": [ { "date": "2026-10-14", "text": "Using software agents, including intelligent agents, to navigate or search the Services is prohibited, apart from the search tools on the Services and ordinary web browsers.", "quote": "Use or attempt to use any engine, software, tool, agent or other device or mechanism (including, without limitation, browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Services" }, { "date": "2026-10-14", "text": "Rocket Money caps its liability for any cause at 500 US dollars.", "quote": "ROCKET MONEY’S LIABILITY TO YOU FOR ANY CAUSE WHATEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO A MAXIMUM OF $500.00 (FIVE HUNDRED UNITED STATES DOLLARS)." }, { "date": "2026-10-14", "text": "Users consent to Rocket Money agents presenting themselves as the account holder to service providers, and accepting their terms, when cancelling subscriptions.", "quote": "If it is necessary for our agents to represent to your service provider that they are the account holder, you consent to such representation solely in order to perform the Subscription Cancellation." } ] }, { "kind": "privacy", "url": "https://www.rocketaccount.com/#/privacy-policy", "state": "unreadable", "reason": "the page answered HTTP 403 to our reader", "readAt": "2026-10-14", "points": 7, "max": 10 } ] }, "pageJsonUrl": "https://www.anchorterminal.com/tools/rocket-money.json" } }