How to Hide an Account From Your Rocket Money Budget (2026 Guide)

There's a meaningful difference between unlinking an account in Rocket Money and hiding it from your budget. Unlinking is permanent and erases all the data. Hiding is a soft toggle — the account stays connected, transactions keep syncing, and the data is preserved; the account just stops counting toward your budget calculations. This guide walks through how to hide, how the past-data choice works, when to hide vs unlink, and the comparable workflow on YNAB, Empower, and Monarch.

This is one of Rocket Money's quieter but more useful settings, and it's the right tool for several common scenarios — business accounts mixed in with personal, savings accounts you don't want inflating your spending categories, joint accounts you contribute to but don't budget for, and so on.

Verified workflow (from Rocket Money Help Center)

1. Open Rocket Money.
2. Tap the Settings (gear) icon in the upper-left of the Dashboard.
3. Locate the connected bank or credit card account you want to exclude.
4. Toggle the option to hide that account from being tracked in your budget.

The account stays linked — only its budget tracking is hidden.

Source: Rocket Money Help Center — verified May 2026

What's in this guide

• Hide vs Unlink — pick the right tool
• Steps: Hide an account from the mobile app
• Steps: Hide an account from the desktop website
• The 'show past data' choice, explained
• How to unhide later
• Common scenarios where hiding is the right move
• How this compares to YNAB, Empower, and Monarch
• FAQ

Hide vs Unlink — pick the right tool

Quick comparison so you don't pick the wrong one:

If you're considering Unlink because you want the account to stop affecting your budget — Hide is almost certainly the right tool instead. Unlinking is for closing the relationship entirely (you closed the bank account, you switched banks, you no longer want that institution connected at all). Hiding is for "keep tracking, stop counting."

For the unlink workflow specifically (and what's permanently deleted), see How to Disconnect a Bank Account or Credit Card From Rocket Money.

Steps: Hide an account from the mobile app

Per Rocket Money's Help Center:

1. Tap the Settings (⚙️) icon in the upper-left corner of the Dashboard.
2. Select Linked Accounts.
3. Tap the three dots (…) next to the name of the account you want to hide, then select Hide.
4. Rocket Money asks whether you want to also hide past data. Choose:
5. No, Show Past Data — past transactions remain visible in transaction history; future transactions don't count toward the budget.
6. Yes, Hide Past Data — past transactions for this account are hidden too; the account effectively disappears from view.

The hide takes effect immediately. The account remains in Linked Accounts (you can verify it's still connected) but stops counting toward budget calculations going forward.

Steps: Hide an account from the desktop website

Per the Help Center:

1. Sign in to rocketmoney.com. Tap the Settings (⚙️) icon in the upper-left corner of the Dashboard.
2. Select Linked Accounts.
3. Tap the green toggle to the left of the account.
4. Same past-data choice: No, Show Past Data or Yes, Hide Past Data.

The desktop flow uses a toggle instead of the three-dot menu, but it does the same thing. Either surface works.

The 'show past data' choice, explained

This is the part that confuses some users. When you hide an account, Rocket Money doesn't assume what you want to do with the past — you decide.

No, Show Past Data. Choose this if you want the historical context to remain visible — for example, you can still see what you spent on that credit card last month in the transactions view, but new charges don't get added to budget calculations. Useful when you want to keep an audit trail without distorting forward-looking budgets.

Yes, Hide Past Data. Choose this if you want the account to effectively disappear from view — past charges no longer show up in transaction lists, the account's history is hidden from reports, and forward-looking transactions don't count either. Closer in feel to "this account never existed for budget purposes."

Practical guidance:

• Hiding a business account temporarily (you want it tracked again later) → No, Show Past Data. Keeps the audit trail clean.
• Hiding a savings account that's just a goal balance → Yes, Hide Past Data. You don't want every transfer-in to read as "income" on your spending dashboard.
• Hiding a joint account that your partner manages → Either, depending on whether you want to see what's been spent or pretend it doesn't exist.
• Hiding a credit card you're closing → Yes, Hide Past Data is usually cleaner, since the closure means future transactions are 0 anyway.

The choice is reversible at any time — when you unhide, all the past data comes back into view regardless of which option you originally chose.

How to unhide later

Per the Help Center: "In order to unhide an account that you've previously hidden, you can simply navigate back to your Linked Accounts and tap on Unhide to begin tracking that account once again!"

The unhide flow:

1. Navigate to Settings (⚙️) → Linked Accounts.
2. Find the hidden account in the list.
3. Tap Unhide (mobile, three-dot menu) or toggle the switch (desktop).

The account immediately starts counting toward budget calculations again. All past data — including transactions that occurred while the account was hidden, since it kept syncing under the hood — becomes visible. This is the part that makes "Hide" so much friendlier than "Unlink": no data was ever lost, and the period it was hidden has its own complete record waiting for you when you come back.

Common scenarios where hiding is the right move

A few patterns where Hide is clearly better than Unlink (or doing nothing):

Business credit card. You're a freelancer with a personal Rocket Money setup, and your business card runs through the same bank. You don't want business expenses inflating your personal "Other" category. Hide it. The data is still there for year-end review; it just doesn't pollute your personal budget.

Savings goal account. You have a checking-and-savings setup where the savings is the destination for goal contributions. Every transfer-in shows up as income on the savings side, which throws off your spending dashboard. Hide the savings; transfers between your own accounts stop registering as transactions for budget purposes.

Joint household account. Both partners contribute to a shared household account that pays for groceries and utilities. If one partner has the personal Rocket Money setup, including the joint account means budget calculations get messy. Either configure proper Account Sharing (see How to Set Up Rocket Money Account Sharing) or hide the joint account from the personal view.

Credit cards used only for specific purposes. A travel card you only use for trips, a card just for one streaming service, a balance-transfer card you're paying down — any of these can throw off month-to-month spending averages. Hiding keeps the data without distorting trends.

Closed accounts. Accounts you've closed but Rocket Money still has historic data for. Hiding prevents the now-zero balance from showing up in net worth views; the historic data stays accessible.

Accounts you want to keep linked for net-worth tracking only. Hide it from budget but keep the connection alive. Net worth pulls from total balances; budget pulls from categorized transactions. Hiding from budget doesn't affect net worth in most setups.

How this compares to YNAB, Empower, and Monarch

The hide-an-account workflow is one of the more thoughtful design choices in Rocket Money — and worth comparing across the four major apps:

Rocket Money. Two-state model (Hide / Unhide) with the past-data toggle. The past-data choice is a nice touch most other apps don't expose.

YNAB. "Hidden" categories and "closed" accounts are both supported, and YNAB's data model is robust enough that switching an account between active and hidden states is seamless. Most YNAB users use this regularly to manage life-stage changes (closing a card, opening a new one).

Empower. Less granular. Accounts are either tracked or not; no past-data preservation toggle. Investment-focused features mean account hiding is less common in Empower's typical use cases.

Monarch. Has a per-account "include in budgets" toggle that mirrors Rocket Money's. Cleanest UI for managing many accounts at once. If you have 8+ accounts and want fine-grained per-account controls, Monarch is the most thoughtful here.

For the typical user with 4-6 accounts, Rocket Money's Hide functionality covers the use cases well. For users with very complex setups (many accounts, household + business + travel), Monarch's per-account toggles are arguably more flexible.

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FAQ

If I hide an account, will Rocket Money still detect subscriptions on it? Subscription detection in Rocket Money runs on linked accounts. Hidden accounts continue to sync, so subscription detection technically still has the data — but whether subscriptions surface in the Recurring tab when an account is hidden depends on the specific UI behavior. If you want to actively manage subscriptions on a card, leaving it visible is safer.

Will hiding an account affect my net worth calculation? Net worth pulls from balances, while hiding affects budget tracking. In most setups, a hidden account is also excluded from net worth (since hiding is a "remove from view" toggle), but check your specific configuration to confirm. If net worth calculation is critical, run the numbers before and after hiding to verify.

Can I hide just one credit card without hiding the whole bank? Yes. Hide is per-account, not per-institution. You can hide one card from a bank that has three cards, and the other two continue to track normally.

What's the difference between hiding and excluding individual transactions? Hide is at the account level — the entire account stops counting. Excluding individual transactions (a separate feature, available per-transaction) lets you remove specific transactions from budget calculations while keeping the rest of the account active. Use transaction-level exclusion for one-off oddities; use account-level Hide for ongoing exclusion.

Will hiding cancel any alerts I set on the account? Per the Help Center, hiding doesn't explicitly delete alerts (unlike unlinking, which does). But because the budget calculations change, alerts tied to budget thresholds may behave differently. Test alerts after hiding to verify the behavior you expect.

Can my partner see hidden accounts via Account Sharing? Account Sharing visibility depends on the per-account sharing settings, which are independent of the hide toggle. Your partner sees what they're set up to see, regardless of whether an account is hidden in your view. See How to Set Up Rocket Money Account Sharing for the visibility controls.

Can I bulk-hide multiple accounts at once? Not directly — Rocket Money's UI handles hiding one account at a time. For users with many accounts to hide, this is a small chore but not a barrier.

Related reading:

• How to Disconnect a Bank Account or Credit Card From Rocket Money
• How to Set Up Rocket Money Account Sharing
• How to Add a Missing Account to Rocket Money
• How to Link a Bank Account to Rocket Money
• Account Types Rocket Money Supports
• How to Set Up Rocket Money Net Worth Dashboard
• Rocket Money Review

Not financial, legal, or tax advice. We earn a commission if you sign up for Rocket Money through a link on this page; the price is the same. Every claim is verified against Rocket Money's official Help Center documentation and the December 12, 2025 Content Affiliate Talking Points where applicable.