rabbit.reviews
Best Free Option

Rocket Money

The best free budgeting app with a genuinely useful premium tier. CNET's Editor's Choice winner handles expense tracking, subscription cancellation, and net worth monitoring — all in one place.

Amazon
Pros
  • Free tier covers basic expense tracking and budgeting for most users
  • Actively negotiates and cancels unwanted subscriptions on your behalf
  • Tracks credit score, net worth, and spending in one dashboard
  • CNET Editor's Choice winner — well-tested by experts
Cons
  • Free version is limited; full features require premium ($6-12/month)
  • Bill negotiation service takes a percentage cut of savings
  • Less customizable than Monarch Money or YNAB
  • Some users report aggressive upsell prompts toward premium
Why we recommend it

Rocket Money is the strongest free starting point for anyone coming off Mint. The bill negotiation feature alone can pay for the premium subscription many times over.

Sources
cnet.comRocket Money Review 2025: CNET's Editor's Choice Winner for Best Budgeting App
pcmag.comThe Best Personal Finance and Budgeting Apps for 2026
reddit.comBest Free Budgeting Apps
CNET

“Rocket Money is a free budgeting app that offers limited budgeting features for no cost.”

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