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Rocket Money Premium includes an account-sharing feature that lets two people view the same set of linked accounts and budgets. It's a Premium-only feature with a specific structure: one Primary user (you, the subscriber) plus one Secondary user (typically a partner) who's invited in.

This guide walks through how to set it up, what the Secondary user can and can't see, when account sharing is the right tool for couples and households, and when you'd be better off with a different app entirely.

The short version. Premium unlocks account sharing for one Primary + one Secondary user. The Primary owns the subscription and has full visibility. The Secondary can view shared accounts and budgets but can't see the credit score, can't add or remove bank links, and can't hide individual accounts from the Primary. Setup is in the app under Profile → Account Sharing. Best for couples with mostly-merged finances; not great for households of 3+ or for people who need per-account privacy.

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What's in this guide

What account sharing actually does

Once you (the Primary) invite a Secondary user, both of you can:

  • See the same linked bank accounts and credit cards
  • See the same transactions
  • See the same budgets
  • See the same recurring subscriptions and bills (in the Recurring tab)
  • Receive notifications about shared activity

The two of you are looking at the same dataset. There's no separate "his account / her account" partitioning — it's one shared view of the household's money, with the Primary owning the subscription and the Secondary getting access by invitation.

The Secondary user has their own login (their own email and password). They sign in to Rocket Money the way anyone else would, but their account is linked to the Primary's, which is what gives them visibility into the shared data.

Step-by-step: inviting your Secondary user

Steps in the mobile app:

Step 1 — Confirm Premium is active. Account sharing is a Premium feature. If you're on the free tier or in the trial, the option will be available; if you're on a cancelled-not-yet-expired Premium, it'll work until the cancellation date.

Step 2 — Open the profile menu. Tap your profile icon (typically top-right on web, bottom-right on mobile).

Step 3 — Find Account Sharing. Look for an "Account Sharing" or "Invite Partner" option. Tap it.

Step 4 — Enter the Secondary user's email. This is the email they'll use to sign in to Rocket Money as the Secondary. If they already have a Rocket Money account at that email, the invite links the two; if they don't, they'll create one when accepting the invite.

Step 5 — Send the invite. Rocket Money emails the Secondary an invitation. They click the link, sign in (or create an account at that email), and accept.

Step 6 — Confirm the link. After acceptance, your Account Sharing screen should show the Secondary user's email and a status of "Connected" or similar. If it doesn't show up after a few minutes, ask the Secondary to try the invite link again.

That's the whole setup. From this point, when either of you opens Rocket Money, you both see the same shared dataset.

What the Secondary user can see and do

Per Rocket Money's Help Center documentation of the account-sharing feature, the Secondary's view is intentionally narrower than the Primary's:

What the Secondary CAN do:

  • View all linked accounts and balances
  • View all transactions across linked accounts
  • View and edit shared budgets
  • See subscriptions and bills in the Recurring tab
  • Submit a bill for negotiation (the negotiation team treats it as a household-level request)
  • Initiate cancellation requests via the Subscription Cancellation Assistant for shared subscriptions
  • Receive balance and budget alerts
  • View Net Worth dashboard

What the Secondary CAN'T do:

  • Access or view the credit score (this stays with the Primary)
  • Add or remove bank/card connections to the household account
  • Manage the Premium subscription (billing, plan changes, cancellation)
  • Invite or remove other users
  • Hide specific accounts from the Primary's view

The credit-score asymmetry is the most notable. If the Secondary wants to see their own credit score in Rocket Money, they'd need their own separate Premium subscription — it's not part of what the shared structure provides.

Limitations you should know about up front

Beyond the role-specific permissions, account sharing has structural limits worth understanding before you invite someone in:

One Secondary user only. No multi-Secondary "family plan." If you're a household of 3+ adults all wanting financial visibility into the same accounts, Rocket Money's account sharing won't cover all of you.

No per-account hiding for shared dashboards. If you connect an account, both users see it. There's no way to hide your individual checking account from your partner while keeping joint accounts visible. Shared = both see everything that's connected.

The Secondary's view is the same as the Primary's, minus the credit score. This isn't a "limited view for accountability" feature — it's full visibility into transactions, balances, and budgets. Set this up only with someone you trust with that level of financial access.

Account sharing is invite-based, not link-based. You invite one specific email. You can't generate a "share link" or invite multiple emails. If your Secondary changes email addresses, you'd remove them and re-invite at the new email.

When account sharing is a good fit

Account sharing works well when:

  • You and your partner have mostly-merged finances — joint checking, joint credit cards, shared savings goals, shared bills. The "we both see everything" model maps directly to how you already think about money.
  • You want to coordinate on subscription audits and bill negotiation. Either of you can submit a bill for negotiation or kick off a subscription cancellation. Useful when one partner is more active about money management.
  • You're aligned on transparency. Both of you are comfortable with the other seeing every transaction across linked accounts.
  • You're in a household of two adults, not three or more.

The honest fit: a married or long-term partnered couple with mostly-joint finances. That's the use case Rocket Money's structure is built for.

Setting it up for the first time? Premium's free trial is enough to test account sharing with your partner — invite them, link your shared accounts, see how the workflow feels.

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When it isn't, and what to use instead

Account sharing isn't a fit when:

  • You want per-account privacy. "I want my partner to see joint accounts but not my personal credit card" isn't supported. Both users see everything that's linked.
  • You're a household of 3+ adults. Account sharing supports one Primary + one Secondary, not three+. Some households need multi-user views.
  • You want separate role-based permissions. Rocket Money's structure is mostly-symmetric (Secondary lacks credit-score and admin access, but otherwise sees the same as Primary). Apps with more granular permissions exist.

For these scenarios, Monarch Money is the most common recommendation. Monarch's family-friendly account model supports multiple adults with per-account visibility controls — useful for households of 3+ or for couples who want some financial privacy alongside shared budgeting. See our Rocket Money vs Monarch Money comparison for the detailed tradeoffs.

If you're looking for budgeting depth (zero-based budgeting, where every dollar gets a job before you spend it) more than account sharing, YNAB is the right pick. See Rocket Money vs YNAB.

How to remove a Secondary user later

If you need to remove account sharing — relationship change, security concern, or just resetting things — the Primary can revoke at any time:

  1. Open the profile icon → Account Sharing.
  2. Tap the Secondary user's name/email.
  3. Tap Remove or Revoke Access.
  4. Confirm.

After removal, the Secondary's account no longer has visibility into the shared data. Their separate Rocket Money account itself stays — they can keep using it on the Free tier or upgrade to their own Premium independently.

The data on the Primary's account is unchanged by removing a Secondary — accounts stay linked, transactions stay categorized, budgets stay configured.

Common questions

Can the Secondary user see my Rocket Money Premium subscription details? The Secondary doesn't see your billing or plan management screen. They see the shared dataset. Subscription mechanics (slider price, billing date, payment method) stay with the Primary.

Can we both submit bill negotiations independently? Yes — either of you can submit a bill for negotiation. The negotiation team works at the household level, so duplicate submissions of the same bill would be deduped.

What happens to shared data if I cancel Premium? At the end of the cancellation period, account sharing turns off. Both users revert to their respective Free accounts. Your data stays; theirs stays. The shared visibility ends.

Can the Secondary user have their own credit score in Rocket Money? Not through the shared account — credit score features are tied to the Primary's identity. If the Secondary wants their own credit-score tracking in Rocket Money, they'd subscribe to their own Premium account separately.

Does the Secondary count as a Rocket Money user for any purposes (e.g., 10M+ members count)? Yes — they're a separate Rocket Money account user, just one whose visibility is linked to yours via account sharing.

Can I invite a Secondary user before linking any bank accounts? Technically yes, but the Secondary won't see anything useful until accounts are linked. Easier to get one or two accounts set up first, then invite.

Can my Secondary user invite their own Secondary? No. Only the Primary holds invite rights, and the structure is one-to-one (one Primary + one Secondary).

Are there any iOS / Android differences in the Secondary's experience? Per Rocket Money's documentation, the Secondary's view is the same across platforms. They have full access to the shared data on whichever platform they use.

Try Rocket Money Free tier identifies recurring charges, helps you spot subscriptions to cancel, and includes bill negotiation (available to all users — Rocket Money charges a 35-60% success fee on first-year savings only when negotiation succeeds). Premium ($7-$14/month sliding scale) adds Smart Savings, Concierge cancellation help, real-time sync, and detailed credit-score reporting. Try Rocket Money →

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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.