76Consensus score
How strongly 0 sources agree — expert labs and real owners, with community voices weighted heavier. Not one reviewer’s opinion; the pattern across all of them.
Buy it if
- 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
Skip it if
- 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
What owners love
- 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
The recurring gripe
- 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
The bottom line
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.
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