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I’m the guy who wrote “Best Mint Alternatives in 2026” and picked Rocket Money as the #1 replacement. A few readers pushed back — politely — with a fair question: “Cool ranking, but have you actually used it?”

Fair.

So I linked all ten of my accounts to Rocket Money, ran it as my primary money app for 30 days, paid for Premium out of my own wallet, and tested every feature I could find. This is the honest, no-marketing-copy review I wish existed when I was shopping.

The short version: In our 30-day test, Rocket Money’s free subscription audit surfaced $720/year in forgotten charges, and Premium’s Subscription Cancellation Assistant cleared most of them inside the app — coverage of in-app cancellation depends on the merchant. The free tier is more useful than most competitors’ paid tiers, and Premium pays for itself on day one if you haven’t audited your subscriptions in the last year. There are real limitations — especially around budgeting strictness, partner finances, and investment detail — but for the specific job of “show me where my money goes and help me stop the leaks,” it’s our top pick on the market right now.

Full score: 4.5 / 5.

Try Rocket Money Free →

Takes about 5 minutes · 10M+ members · Owned by Rocket Companies (NYSE: RKT) · Bank connections via Plaid (read-only)

For the tier-by-tier breakdown, see our Rocket Money Free vs Premium comparison. For the step-by-step subscription cancellation walkthrough, see our How to Cancel Subscriptions on Rocket Money guide. If you’re choosing between Rocket Money and YNAB, our Rocket Money vs YNAB comparison walks through which fits which type of user.

What’s in this review

What Rocket Money actually is (quick background)

Rocket Money started life as Truebill in 2015 and built its reputation on one thing: finding subscriptions you forgot about and cancelling them where the merchant supports it. In December 2021, Rocket Companies — the public holding company behind Rocket Mortgage (NYSE: RKT) — acquired Truebill for $1.275 billion. They rebranded it to Rocket Money in August 2022, kept the product, and poured money into engineering.

Today Rocket Money has 10M+ members and has been the single biggest beneficiary of the Mint shutdown. It offers account aggregation, transaction categorization, budgeting, subscription detection and cancellation, bill negotiation, net-worth tracking, automated savings via Financial Goals, and credit-score monitoring — across iOS, Android, and a web app.

Two things worth knowing about the company, because they affect whether you should trust the product with your financial data:

It’s a profit center, not a loss leader. Mint was free because Intuit used it to funnel users into Credit Karma. Rocket Money makes money on Premium subscriptions ($7–$14/month) and bill-negotiation fees. The incentive is aligned: they make money when you do, not when you click an ad.

It’s owned by a public US company. Rocket Companies files 10-Ks. The product has institutional backing, proper security audits, and a corporate structure that makes sudden shutdowns less likely than independent fintech startups. That alignment mattered a lot to me after watching Mint get killed.

My test setup (so you can judge the rest of this review)

I wanted this review to be honest even for my own sake, so here’s exactly what I did.

Accounts I linked: 2 checking (Chase, Ally), 3 credit cards (Amex Gold, Chase Sapphire Preferred, Discover It), 1 high-yield savings, 2 brokerages (Fidelity, Robinhood), 1 mortgage (Rocket Mortgage, naturally), 1 auto loan. Ten accounts total.

History imported: 90 days of transactions (Rocket Money’s default).

Pricing: First 7 days on the Premium free trial. Then I picked $8/month on the pay-what’s-fair slider for the duration of the review.

What I tested: Subscription detection and the Cancellation Assistant, bill negotiation (ran one real negotiation on my internet bill), budgets, Financial Goals (the rebranded Smart Savings feature), net-worth tracking, alerts, the credit score feature, concierge chat, MFA setup on my Rocket Money account, and the mobile vs web experience.

Notes: Daily journal entries for 30 days. This review reflects what I actually found, not what the marketing says.

The onboarding experience

Linking ten accounts took about 12 minutes. Rocket Money uses Plaid for bank connections — the same secure connection layer used by Venmo, Robinhood, Wealthfront, and many other consumer finance apps. The flow is clean: select your bank, enter credentials on Plaid’s page (not Rocket Money’s), approve the permissions, done.

Two-factor authentication on the bank side was handled cleanly for the banks that required it. Only one account — my mortgage — needed manual re-authentication after about 72 hours, which is a known Plaid quirk and not a Rocket Money problem.

By end of day 1 I had:

  • All ten accounts showing correct balances.
  • 90 days of transactions categorized, about 85% accurate out of the box.
  • A populated Recurring tab showing everything Rocket Money thought was a subscription.
  • A net-worth number that matched my own spreadsheet within $40.

Transaction categorization accuracy is the big underrated onboarding metric here. Some apps (Monarch, Copilot) need a week of you manually recategorizing before they get accurate. Rocket Money was usable immediately.

Onboarding score: 4 / 5. Smooth, fast, only the mortgage needed attention. Nothing about the setup felt painful.

The free tier: what you actually get without paying

This is the part most reviews gloss over, so I want to be specific. Here’s what you get on Rocket Money’s free tier, as of my testing:

  • Account aggregation — unlimited. Link as many banks, cards, loans, and brokerages as you want.
  • Transaction categorization — automatic with manual override.
  • Spending breakdown — by category, by merchant, by date range.
  • Basic budgets — Rocket Money’s free tier supports basic budget tracking. Premium unlocks unlimited custom budget categories and other advanced options (per Rocket Money’s Premium membership features page).
  • Recurring-charge detection — Rocket Money flags every recurring charge it detects. You can see them on the free tier; in-app cancellation through the Subscription Cancellation Assistant requires Premium.
  • Bill tracking — reminders before upcoming bills hit.
  • Bill negotiation — available on the free plan, just like on Premium. (Fee details in the bill-negotiation section below.)

What the free tier does NOT give you: the Subscription Cancellation Assistant for in-app cancellation, unlimited custom budget categories, full credit-report tracking with FICO Score 2 from Experian, Financial Goals (automated savings), real-time account syncing, advanced spending insights, priority (concierge) support, net worth dashboard, balance alerts, iOS widgets, and account sharing with a partner.

Verdict on the free tier: It is legitimately usable on its own. If your goal is “give me Mint-ish dashboards with subscription visibility,” stop at the free tier. You don’t need to pay. Monarch, YNAB, Simplifi, and Copilot don’t have a free tier that’s remotely comparable.

Premium: what the $7–$14/month actually unlocks

Rocket Money’s Premium is priced with a pay-what’s-fair slider: you pick any amount between $7 and $14/month, billed monthly. I picked $8/month. That flexibility is unusual — most apps force you onto a fixed tier. (Rocket Money’s pricing Help Center article describes the model as “you choose what to pay on a sliding scale.”)

Here’s what Premium unlocks that the free tier doesn’t, drawn from Rocket Money’s own Premium membership features list:

  • Subscription Cancellation Assistant — the killer feature. In-app cancellation through the Cancellation Assistant where the merchant supports it; Concierge handles harder ones; some still require manual action with the provider.
  • Unlimited custom budget categories — per Rocket Money’s docs: “Create as many customized budget categories from your linked accounts as you need.”
  • Full credit reports — credit score and a comprehensive credit report provided by Experian using the FICO 2 scoring model, refreshed up to four times a month.
  • Financial Goals (formerly Smart Savings) — Rocket Money’s automated savings feature. Pulls funds from a linked checking account into a savings plan held in a non-interest-bearing custodial plan at an FDIC-insured institution. Choose between Smart Savings (auto-transfers every few days) or Custom Savings (set a fixed monthly amount).
  • Net-worth tracking — assets, liabilities, trend over time.
  • Real-time syncing for linked accounts.
  • Balance alerts — low-balance warnings, large-transaction alerts.
  • Advanced transaction tools — transaction splitting, custom tags, transaction notes, automation rules, and manual transactions.
  • iOS widgets for iPhone users.
  • Customizable dashboard.
  • Account sharing — with a partner or family member (see the cons section for the asymmetries).
  • Priority / concierge support — chat inside the app for anything weird.
  • Data export — download transaction data for specific periods.

Verdict on Premium: Worth it if either (a) you have two or more subscriptions you actually want cancelled, or (b) you want unlimited custom budget categories, automated savings via Financial Goals, or full credit reports. If none of those apply, the free tier is enough.

The 7-day Premium free trial

If you’re new to Rocket Money, signing up for Premium gives you a 7-day free trial. Rocket Money confirms this in their pricing Help Center article: “New Premium members get a 7-day free trial to explore all the added benefits.”

A few important details from Rocket Money’s Premium signup Help Center article:

  • Most new users are eligible for the trial — but not universal, so confirm in your own signup flow.
  • The signup flow does require you to select a payment method during the free trial. Set a calendar reminder if you don’t want to be auto-charged on day 8.
  • After the trial, the monthly subscription continues at the price you selected during signup.
  • You can cancel anytime from your account settings (“Cancel anytime in your account settings,” per Rocket Money).

This is enough time to run a subscription audit, attempt one bill negotiation, and decide whether the Cancellation Assistant earns its keep for your situation.

The subscription-cancellation feature (the star of the show)

This is the reason Rocket Money is my #1 pick overall, and it held up under testing better than I expected.

Within 48 hours of linking my accounts, Rocket Money flagged 17 recurring charges. Some were expected (Netflix, Spotify, gym, internet). A handful were embarrassing. The ones I found:

  • A $14.99/month Audible subscription I hadn’t used since early 2023.
  • A $9.99/month “premium” weather app I’d signed up for once after a hurricane and never opened again.
  • A $4.99/month cloud backup service for an app I’d stopped using six months earlier.
  • A $29.99/month gym I’d physically stopped going to four months ago (this one hurt).

Total recurring waste I hadn’t noticed: $59.96/month, or $719.52/year, sitting there quietly.

I tapped the three dots ”•••” next to four of the charges in the Recurring tab and selected Cancel. The app’s Subscription Cancellation Assistant handled three immediately (Audible, the weather app, the cloud backup). For the gym, it flagged that cancellation required a written notice per the membership agreement, routed the case to Rocket Money’s Concierge, and had it fully cancelled in 48 hours with confirmation emails I could download. Whether the Cancellation Assistant works for a particular subscription depends on the merchant — some need Concierge, and a few can only be canceled directly with the provider. (For the full step-by-step walkthrough, see our How to Cancel Subscriptions on Rocket Money guide.)

Time saved versus me doing this manually: at least 2–3 hours. I would have needed to log in to each account, hunt for passwords I’d forgotten, navigate cancellation flows that are deliberately hostile (the gym’s website buries cancellation behind three screens and a phone call), and keep confirmation records.

Rocket Money Premium paid for itself for the next seven years in one 10-minute session.

This is the feature. If you haven’t audited your subscriptions in the last 12 months, you’ll almost certainly find money you’ve been leaking, and Rocket Money is the fastest way to find it.

Run Your Own Subscription Audit →

Takes about 5 minutes · Free plan, no upfront cost

Bill negotiation: an honest look at the fee model

Rocket Money’s bill-negotiation service is the most-marketed and least-understood feature, so I want to be precise about how it actually works.

How it works: You submit a bill via the Ways To Save section on the Rocket Money dashboard, tap Lower Bills, choose your service provider (or Can’t Find Your Service if it’s not listed), and connect the provider account by entering credentials or uploading a photo of a recent billing statement. Rocket Money’s negotiation team contacts the provider, negotiates on your behalf, and reports back.

Negotiable categories (per Rocket Money’s Help Center):

  • Cable and Satellite TV
  • Internet and Phone
  • Home Security
  • Satellite Radio

Availability: This service is available to both free and Premium users — no upgrade required.

The fee model: Rocket Money charges 30% of your first year’s savings as their fee. The fee is only charged if they successfully negotiate savings — if they don’t save you money, you pay nothing. After a successful negotiation, you have a 48-hour window before the fee is charged automatically to your payment method on file. You can spread the fee across a payment plan instead — weekly, bi-weekly, or monthly, for up to 12 months — by clicking the link in your “Negotiation Success” email.

Service guarantee (per Rocket Money’s bill negotiation savings process): “We will never downgrade your plan, remove features, or make changes to your services without your approval.” If they can only negotiate by removing features or downgrading service tiers, they’ll come back to you for approval first.

I tested it on my Xfinity internet bill, which was $89/month at the time. Here’s what happened:

  1. I submitted the bill through the app via the Ways To Save → Lower Bills flow. Took 3 minutes.
  2. Rocket Money’s negotiation team called Xfinity, negotiated it down to $69/month. Took 4 business days.
  3. Annual savings: $240. Confirmed by the next bill (savings typically apply within 1–2 billing cycles, per Rocket Money’s docs).
  4. Rocket Money’s fee: $72 (30% of year-one savings, charged after the 48-hour window to my payment method on file).
  5. My net year-one benefit: $168. (That’s $240 saved minus the $72 fee.)
  6. Year-two benefit: the full $240, with no fee.

So it worked. But the first-year math is modest, and the upfront fee hit hurts. If your bill negotiation succeeds, plan on year two being when the real savings show up.

When the bill-negotiation service is worth using: When the savings are big (insurance, long-standing internet bills, premium cable packages), when you’ve already tried negotiating yourself and failed, or when you just don’t want to make the call. The fee is worth the time for me.

When to skip it: Small bills. If the expected savings are under $100/year, the fee eats most of the benefit. Do it yourself or live with the bill.

Budgeting features: competent, not best-in-class

Rocket Money’s budgets are simpler than YNAB’s, less flexible than Monarch’s, and better than Mint’s were. Here’s what you get:

  • Auto-generated suggestions based on your actual spending history. When you set up a budget, the app suggests bills, income estimate, and category amounts based on your linked-account transactions.
  • Category-level limits with sliders to adjust.
  • Warning thresholds. When you hit 80% of a budget, you get a push notification.
  • Roll-over options (basic — carry unused budget to next month, or don’t).
  • Month-at-a-glance: you see what you’ve spent in every category vs what you planned.
  • Premium unlocks unlimited custom budget categories. The free tier supports basic budgeting; if you want extensive category-level control, that’s part of why Premium exists.

What it’s not: YNAB-style zero-based budgeting where you allocate every dollar before you spend it. Rocket Money is reactive — it tells you what you did, not what you planned. That’s the right answer for most people; it’s the wrong answer for someone who genuinely needs to change their behavior.

What it’s also not: Monarch’s flexible custom-rule system where you can, for example, auto-exclude a category from a budget based on a merchant tag. Monarch’s budget engine is more powerful; Rocket Money’s is more approachable.

For most people who just want “am I overspending on Uber Eats again?”, Rocket Money’s budgets are enough. If you need more, that’s the tell you should switch to YNAB (strictness) or Monarch (flexibility).

Financial Goals (formerly Smart Savings)

This is one of Premium’s quieter features and worth understanding because the naming is overloaded. Rocket Money’s automated-savings feature is now called Financial Goals. Inside Financial Goals, there are two sub-options:

  • Smart Savings — Rocket Money calculates a “safe to save” amount based on your spending patterns and auto-transfers it from your linked checking account every few days.
  • Custom Savings — you set a fixed monthly amount that gets transferred on a schedule.

Funds move from your checking account into “a non-interest bearing custodial plan that we’ve established at an FDIC-insured financial institution,” per Rocket Money’s docs. You can deposit into, withdraw from, or pause a goal at any time inside the app. You can have multiple goals, but they all tie to the same checking account.

My take after using it for 30 days: Smart Savings worked surprisingly well. It pulled small amounts ($25–$80 per transfer) on days when my checking balance was healthy and skipped days when it was thinner. Over 30 days I had ~$340 moved into the goal without thinking about it.

Caveat: The custodial plan is non-interest-bearing. If your goal is to actually grow the money, sweep it from Financial Goals to a high-yield savings account every few months. This is a habit-builder, not an investment vehicle.

Net worth & investment tracking

Rocket Money pulls live balances from your linked brokerages and loan accounts and shows a net-worth chart that goes back as far as your imported history. That’s the headline.

Here’s what it doesn’t do:

  • No holdings-level investment detail. I can see my Fidelity balance but not which funds I hold or my cost basis. For that you need Empower (formerly Personal Capital) or Kubera.
  • No real estate auto-sync. You can add a home manually with an equity-value option, but it doesn’t sync to Zillow the way Monarch does.
  • No allocation / rebalancing view. If you want “am I 70/30 stocks/bonds across all accounts?”, Rocket Money won’t tell you.
  • No benchmark comparison. Your net worth went up 4% — is that good? Rocket Money doesn’t answer.

Verdict: Fine for the question “am I trending up?” Not fine for the question “what’s my portfolio actually doing?” If serious investment tracking matters to you, pair Rocket Money with Empower (free) and use each for what it’s good at.

The mobile app (where I did 90% of my use)

Rocket Money is fundamentally a mobile-first product. The iOS app is native, loads in about 2 seconds cold, and was where I did the vast majority of my testing. The home screen hierarchy — balance strip, Recurring tab, spending card, budget card — is well-organized and readable at a glance.

The iOS home-screen widget showing month-to-date spending became a daily habit for me within a week. It’s one of those small design choices that changes behavior. (iOS widgets are a Premium feature.)

Android has full feature parity. The web app exists at rocketmoney.com but feels secondary — slower, fewer settings buried in more menus. If you want the best experience, use the phone app.

Notifications are mostly useful (large transactions, subscription alerts, bill reminders) but can get noisy by default. I turned off “deal alerts” on day 3.

Security, MFA, and data privacy

Rocket Money’s security model is documented across two places: their Help Center “Is Rocket Money secure” article and their public security page. Here’s what they actually claim:

  • Plaid for bank connections. Per Rocket Money: “we never store your bank login information.” Credentials go directly to Plaid (the same connection layer used by Venmo, Robinhood, Wealthfront, and many other consumer finance apps), and Rocket Money receives read-only access to transactions and balances. They can’t initiate transactions, transfers, or payments on your behalf.
  • 256-bit AES encryption at rest. Per the security page: “All data stored on our servers is protected with 256-bit AES encryption.”
  • TLS in transit. Per the Help Center: data between your device and Rocket Money’s servers is “securely encrypted with state-of-the-art TLS protocols and ciphers.”
  • Independent audits. The security page notes that Rocket Money’s practices are “audited and tested” by third parties (specific firms aren’t named publicly).
  • Active bug-bounty program. Per the security page, they invite security researchers to find and report vulnerabilities.

Multi-factor authentication on your Rocket Money account. Rocket Money supports MFA (also called two-step verification) on the user’s own account, per their MFA Help Center article. Three methods are supported:

  1. Text Message
  2. Automated Phone Call
  3. Authenticator App (Google Authenticator, Microsoft Authenticator, or Duo)

Once MFA is on, Rocket Money will re-verify with a security code “during sign-in about every 45 days.” Frequency may vary if you’ve enabled device biometrics in your phone settings. MFA is opt-in, but I’d turn it on day one.

Privacy: Rocket Money’s security page explicitly states “we never sell your data.” They do aggregate and anonymize spending trends (the kind of “the average American spent $X on coffee” data you see in their reports), which is standard for the category. For specifics, pull up Rocket Money’s privacy policy directly before you sign up.

The security model is comparable to Venmo, Robinhood, Wealthfront, and many other consumer finance apps. If you’re comfortable using Chase’s mobile app, you should be comfortable using Rocket Money.

What Rocket Money does poorly

Being honest about the cracks, because a review without honest cons isn’t a review:

  • Plaid’s account coverage is the ceiling. Some small credit unions, HSAs, and niche retirement plans (especially self-directed IRAs) aren’t supported. If your money is in unusual places, Rocket Money will miss some of it.
  • Account sharing is two-person only, with asymmetries. Premium includes account sharing with a partner — both members get their own login credentials, and you collaborate on the same budgets, transactions, subscriptions, and goals shared in the app. But it’s designed for two people only (Primary + Secondary), the Secondary user can’t see the credit-score feature, and there’s no per-account hiding between partners. Households of 3+ or couples who want per-account visibility controls will outgrow it. (Per Rocket Money Help Center: Account Sharing.)
  • Credit score is single-bureau (Experian only). Rocket Money’s credit score is a FICO Score 2 sourced from Experian. Lenders sometimes pull all three bureaus (Experian, TransUnion, Equifax), so a Rocket Money score won’t surface discrepancies that exist on the other two bureaus’ files.
  • Shallow investment tracking (already covered above).
  • Occasional sync hiccups — twice in 30 days, one of my accounts showed a 24-hour-stale balance. Both times it self-corrected.
  • Financial Goals custodial plan is non-interest-bearing. If you want your savings to actually earn interest, sweep them out periodically.
  • The “Spending Insights” section looks slicker than it is useful. The graphs are pretty but mostly tell me things I already know (“you spend more on food on weekends”). Not a dealbreaker, but don’t expect revelations here.

Pros and cons at a glance

Pros

  • Only major competitor with a genuinely usable free tier (in the apps we tested).
  • Strongest subscription detection and the Subscription Cancellation Assistant we tested in the category.
  • Clean, Mint-like UX with minimal learning curve.
  • Strong mobile app on both iOS and Android.
  • Flexible pay-what’s-fair Premium pricing ($7–$14/month).
  • 7-day free trial of Premium for most new users.
  • MFA support on the user account (text, phone, authenticator app).
  • Owned by a public US company with institutional backing.

Cons

  • Account sharing is two-person only (Primary + Secondary); Secondary user can’t see credit score; no per-account hiding.
  • Budgeting is reactive — not for zero-based budgeting purists.
  • Investment tracking is shallow (balances only, no holdings).
  • Bill-negotiation fee can sting on smaller bills.
  • Credit score pulled from Experian only (not all three bureaus).
  • Financial Goals custodial plan is non-interest-bearing.
  • Limited non-US support.

Who should use Rocket Money

  • Former Mint users who want the Mint dashboard back, with better subscription management.
  • Anyone with three or more years of accumulated subscriptions they’ve never audited. The one-time savings from a subscription sweep usually justify Premium for years.
  • Single-user households looking for automation and passive tracking over strict budgeting discipline.
  • Two-person households who want a shared budget and shared subscription view (with the asymmetries noted above).
  • Budget-conscious readers — the free tier alone gives you more than most paid competitors we tested.

Who should skip Rocket Money

  • Households of 3+ people, or couples who need per-account visibility controls → Monarch Money is more flexible.
  • People actively trying to fix overspending or get out of debt who need the app to be strict → YNAB will work harder for you. (See our Rocket Money vs YNAB comparison.)
  • Investment-focused users who want portfolio detail, allocation analysis, and cost-basis tracking → Empower (free) or Kubera (paid).
  • International users — Rocket Money is US-only for now. Canadian, UK, and EU users have different options.

How Rocket Money compares to the alternatives (short version)

  • vs Monarch Money: Rocket Money wins on price and the Subscription Cancellation Assistant. Monarch wins on household view, design polish, and budget flexibility.
  • vs YNAB: Different products entirely. YNAB is a behavior-change system. Rocket Money is passive tracking with subscription management. Pick based on what you actually want the app to do. (Full comparison →)
  • vs Quicken Simplifi: Rocket Money’s free tier beats Simplifi’s $48/year unless you want deeper investment tracking or a Mint-nostalgic interface. Simplifi also does zero-based budgeting better.
  • vs Copilot Money: Copilot is iPhone-first design luxury; you’re paying $95/year for a more beautiful but less feature-complete app. Rocket Money is the better value.

For the full five-app comparison with a decision tree, read our Best Mint Alternatives 2026 pillar post.

Frequently asked questions

Is Rocket Money really free, or is “free tier” a bait-and-switch trial? It’s genuinely free. You can use account aggregation, categorization, basic budgets, subscription detection, and bill negotiation indefinitely without paying. The Subscription Cancellation Assistant, full credit reports, Financial Goals, net-worth tracking, balance alerts, and unlimited custom budgets are Premium features. There’s no expiration on the free tier itself — only the Premium upgrade has the 7-day free trial.

How does pay-what’s-fair pricing actually work? When you upgrade to Premium, you see a slider where you pick the monthly amount within Rocket Money’s available range. No shaming, no dark patterns. Annual billing saves money vs monthly. I picked $8 and wasn’t treated any differently than someone who picks $14.

Is it safe to link my bank accounts? Yes, to the same extent any Plaid-based fintech is safe. Rocket Money never stores your bank password (per their Help Center). The connection is read-only. The security model is comparable to Venmo, Robinhood, Wealthfront, and many other consumer finance apps. No internet service is zero-risk, but Rocket Money is not meaningfully more risky than your bank’s own app.

Does Rocket Money offer two-factor authentication on my Rocket Money account? Yes. You can enable MFA via text message, automated phone call, or an authenticator app (Google Authenticator, Microsoft Authenticator, or Duo). Once on, Rocket Money will re-verify your account about every 45 days. (See Rocket Money’s MFA Help Center article.)

Is Rocket Money the same app as Truebill? Yes. Rocket Companies acquired Truebill in December 2021 and rebranded it to Rocket Money in August 2022. Same product, much larger engineering budget now. Old Truebill accounts were auto-migrated.

Will Rocket Money ever shut down like Mint did? Hard to say with certainty about anything, but Rocket Money is a standalone profit center for a public parent company (NYSE: RKT) — for a much more durable business model than Mint’s was. I’m not worried.

Can I cancel Premium easily if I decide it’s not worth it? Yes, from settings. Rocket Money confirms in their Help Center: “You can cancel anytime in your account settings.” I tested this — cancellation takes about 20 seconds. You keep Premium access through the end of your billing period. (See Managing my Premium Membership.)

Will checking my credit score hurt it? No. Rocket Money does a soft pull of your FICO Score 2 from Experian — soft pulls don’t affect your credit score. This is the same category of credit check as Credit Karma and NerdWallet do. (See Rocket Money’s Help Center: FICO Credit Score 101 for the score model and bureau details.)

Does it work in Canada, the UK, or the EU? Limited. Some Canadian banks are supported through Plaid. UK and EU coverage is minimal. If you’re not in the US, check support for your specific bank before signing up.

Can my partner and I share a Rocket Money account? Yes, on Premium. Each partner gets their own login credentials, and you collaborate on the same budgets, transactions, subscriptions, and goals shared in the app. It’s structured for two people (Primary + Secondary). The Secondary user doesn’t get the credit-score feature, and both members see all transactions (no per-account hiding). For larger households or stricter visibility controls, Monarch is more flexible. (Per Rocket Money Help Center: Account Sharing.)

Was “Smart Savings” discontinued? No — it was rebranded. The top-level feature is now called Financial Goals. Inside Financial Goals, “Smart Savings” still exists as the auto-transfer sub-option (alongside Custom Savings, which is a fixed monthly amount). Funds move into a non-interest-bearing custodial plan at an FDIC-insured institution. (Per Your new home for savings — Financial Goals.)

How do I actually save money using Rocket Money? In order of impact: (1) cancel the subscriptions you forgot about — this is the big one; (2) use bill negotiation on your biggest recurring bills (cable, internet, phone, home security); (3) set 3–5 category budgets and check in weekly; (4) use Financial Goals to auto-move money to savings; (5) let it flag unusual transactions so you catch fraud fast.

The verdict

Rocket Money is the strongest Mint replacement for most ex-Mint users we’ve tested. The free tier is more useful than most paid competitors we evaluated. Premium pays for itself inside a month if you haven’t audited your subscriptions in a year. The company has institutional backing that makes it less likely to disappear than its indie competitors. The mobile experience is the best of the apps we tested in the category. MFA, 256-bit AES at rest, TLS in transit, an active bug-bounty program, and a public security page all sit on the right side of the trust ledger.

It’s not perfect. Couples with joint finances will outgrow it. People who need strict budgeting to change their spending behavior should look at YNAB instead. Serious investors will want Empower alongside it. And a small percentage of people will find Plaid doesn’t support one of their accounts.

But those are known limitations with known alternatives. For the majority of people reading this — former Mint users, single-user households, anyone who’s leaked money on forgotten subscriptions — this is our pick. Four and a half out of five.

Score: 4.5 / 5.

For the deeper tier-by-tier decision, see our Rocket Money Free vs Premium comparison. For the cancellation walkthrough, see our How to Cancel Subscriptions on Rocket Money guide.

Start with Rocket Money's Free Tier →

Takes about 5 minutes · Free plan, no upfront cost

If the free tier finds you at least $15/month of subscriptions you want to cancel (very likely), upgrade to Premium for the Subscription Cancellation Assistant. That’s the whole decision.

This review is based on 30 days of personal testing with 10 linked financial accounts, during which I paid $8/month for Premium out of my own pocket. I also tested the bill-negotiation service on a real Xfinity internet bill Pricing cited is US list pricing at time of writing and may change. Rocket Money did not compensate us for this review, see it before publication, or influence its contents in any way. We may earn an affiliate commission if you sign up for Rocket Money through the links in this post, at no cost to you. Our recommendations are driven by which app is genuinely best for each type of reader, not which pays the highest commission. See our full affiliate disclosure.