Managing your personal finances has never been more important – or more accessible – thanks to modern budgeting apps. Two major players in this space, Rocket Money (formerly Truebill) and Mint, offer powerful tools to help track spending, create budgets, and reach financial goals. But which one deserves a place on your smartphone? Let's dive in!
Rocket Money vs Mint: Which Budgeting App is Best in 2025?
In this comprehensive comparison, we'll explore the features, pricing, strengths and weaknesses of both Rocket Money and Mint to help you make an informed decision in 2025.
What is Rocket Money?
Rocket Money (rebranded from Truebill in 2022) is a personal finance app focused on helping users take control of their finances through subscription management, bill negotiation, budget tracking, and automated savings. With over 3 million users, it's become one of the leading financial management platforms in recent years.
What is Mint?
Mint has been a dominant name in the personal finance space for over 15 years. Acquired by Intuit (the company behind TurboTax and QuickBooks) in 2009, Mint offers comprehensive financial tracking, budgeting tools, credit score monitoring, and personalized insights to help users manage their money more effectively.
Rocket Money vs Mint: Feature Comparison
1. Account Integration and Syncing
Rocket Money: Connects with over 15,000 financial institutions, including banks, credit cards, investment accounts, and subscription services. This wide integration capability makes it easy to get a complete financial picture in one place.
Mint: Connects with more than 16,000 financial institutions, offering slightly broader coverage than Rocket Money. Mint's long-standing relationships with banks and financial platforms often means fewer syncing issues.
Winner: Mint, but the difference is minimal.
2. Budgeting Tools
Rocket Money: Provides automated categorization of expenses and customizable budget categories. The app shows a clear breakdown of your spending with visual graphics and allows you to set custom spending limits for each category. The Smart Savings feature automatically transfers money to help you reach savings goals.
Mint: Offers more robust budgeting tools with automatic categorization, customizable categories, and the ability to set up sub-categories for more detailed tracking. Mint also provides spending trends over time, making it easier to analyze your financial habits. The app sends alerts when you're approaching budget limits.
Winner: Mint for more comprehensive budgeting features.
3. Subscription Management
Rocket Money: This is where Rocket Money truly shines. The app automatically identifies all subscriptions tied to your accounts and organizes them in one dashboard. You can easily cancel unwanted subscriptions directly through the app or have Rocket Money negotiate lower rates for services like cable, internet, and phone bills.
Mint: While Mint can identify recurring payments, it doesn't offer specialized subscription management tools or bill negotiation services.
Winner: Rocket Money by a significant margin.
4. Financial Insights and Reports
Rocket Money: Provides basic spending insights and monthly reports. Premium users get access to more detailed analytics, including spending by category, merchant, and time period.
Mint: Offers comprehensive financial reports with detailed spending trends, net worth tracking, and investment performance analysis. Mint also provides personalized tips based on your spending habits and financial goals. For more ways to track your portfolio, check out these investment portfolio trackers.
Winner: Mint for more extensive reporting and insights.
5. Bill Negotiation and Savings
Rocket Money: Offers professional bill negotiation services to lower your monthly bills for services like cable, internet, and phone. While they take a percentage of the savings as payment, many users report significant savings. The app also helps identify and request refunds for bank fees.
Mint: Does not offer bill negotiation services but does provide bill reminders and recommendations for better financial products.
Winner: Rocket Money for actively helping users save money on bills.
6. Credit Score Monitoring
Rocket Money: Free users get quarterly credit score updates, while premium subscribers receive monthly updates. The app provides basic information about factors affecting your credit score.
Mint: Offers free monthly credit score updates and more detailed credit monitoring with explanations of score factors and personalized recommendations for improvement. If you're interested in additional options, check out these free apps to check your credit score.
Winner: Mint for more comprehensive credit monitoring.
7. Investment Tracking
Rocket Money: Basic investment tracking is available with a focus on fee analysis to identify high-fee investments that might be costing you money.
Mint: More robust investment tracking with portfolio allocation visualization, performance comparison against market benchmarks, and fee analysis. For more dedicated investment tools, explore these investment apps.
Winner: Mint for more comprehensive investment tracking.
8. User Experience and Interface
Rocket Money: Features a clean, modern interface focused on simplicity. The dashboard provides a quick overview of your financial health with clear visuals and easy navigation.
Mint: Recently redesigned, Mint's interface offers comprehensive information but can feel somewhat cluttered with advertisements and promotional offers for financial products.
Winner: Rocket Money for a cleaner, more focused interface.
9. Security
Rocket Money: Uses bank-level 256-bit encryption, secure connections (TLS/SSL), and two-factor authentication. User data is never sold to third parties.
Mint: Also employs bank-level encryption, multi-factor authentication, and security scanning with VeriSign. Being owned by Intuit provides additional security infrastructure.
Winner: Tie – both offer excellent security measures.
Pricing: Free vs Premium Options
Rocket Money Pricing
- Free Plan: Basic budgeting, account syncing, subscription tracking, and quarterly credit score updates.
- Premium Plan: $3-12/month (you choose what to pay within this range), billed annually. Includes premium chat support, custom categories, real-time account syncing, unlimited budgets, automatic savings, and premium financial insights.
- Bill Negotiation: 40% of the first year's savings secured through their negotiation service.
Mint Pricing
- Free Plan: Comprehensive budgeting tools, expense tracking, credit score monitoring, investment tracking, and financial insights.
- Mint Premium: $4.99/month or $49.99/year. Includes ad-free experience, advanced subscription cancellation features, and enhanced financial insights.
Feature Comparison Table
| Feature | Rocket Money | Mint |
|---|---|---|
| Free Plan | Basic features, subscription tracking | Comprehensive features with ads |
| Premium Cost | $3-12/month (annual billing) | $4.99/month or $49.99/year |
| Strongest Feature | Subscription management, bill negotiation | Comprehensive budgeting, financial insights |
| Credit Score Updates | Quarterly (free), Monthly (premium) | Monthly (free) |
| Bill Negotiation | Yes (40% fee on savings) | No |
| Automated Savings | Yes (premium) | No |
| Investment Tracking | Basic | Comprehensive |
| Ad Experience | Minimal ads | Ad-supported (free), Ad-free (premium) |
Who Should Use Each App?
Choose Rocket Money if:
- You want to identify and manage subscription services
- You'd benefit from professional bill negotiation services
- You prefer a clean, straightforward interface
- You want automated savings features
- You need assistance getting refunds for bank fees
Choose Mint if:
- You want more robust budgeting and categorization options
- You're interested in detailed financial reports and insights
- You want comprehensive investment tracking
- You need better credit score monitoring
- You prefer a free solution with more features
Tips to Maximize Either App
Whichever app you choose, these tips will help you get the most value:
- Connect all your financial accounts for a complete financial picture
- Customize categories to match your specific spending habits
- Set up budget alerts to stay on track
- Review your finances weekly to catch issues early
- Use the apps alongside other financial tools like budget spreadsheet templates for deeper analysis
- Explore educational content like personal finance podcasts to improve your financial literacy
Looking for even more ways to optimize your finances? Check out these 18 ways to save money that can complement the features of either app.
Alternatives to Consider
If neither Rocket Money nor Mint seems like the perfect fit, consider these alternatives:
- YNAB (You Need A Budget): More intensive budgeting system with a focus on giving every dollar a job ($14.99/month or $98.99/year)
- Empower: Greater emphasis on investment tracking and retirement planning (free for basic services)
- EveryDollar: Simple, zero-based budgeting system from Ramsey Solutions (free version available, premium at $129.99/year)
- Simplifi by Quicken: Newer entrant focused on streamlined expense tracking and future planning ($5.99/month or $47.88/year)
- PocketGuard: Simplified budgeting with a focus on what's "safe to spend" (free version available, Plus at $7.99/month or $79.99/year)
For a full comparison of payment options beyond budgeting apps, review this digital wallet comparison.
Making the Most of Free Options
If you're budget-conscious, both apps offer robust free versions:
- Mint Free: Almost all core features available without cost
- Rocket Money Free: Basic tracking and insights, though you'll miss premium features like real-time updates and unlimited budgets
For comprehensive expense tracking, consider using one of these expense tracking apps alongside your budgeting solution.
Final Words
Both Rocket Money and Mint offer valuable tools for managing finances in 2025. While Rocket Money excels at subscription management and bill negotiation, Mint provides more robust budgeting and investment tracking features. Your choice ultimately depends on your specific financial goals and preferences - Rocket Money for cutting costs and streamlining expenses, Mint for comprehensive financial insights. Remember that consistency matters more than features; the best budgeting app is simply the one you'll actually use regularly to take control of your financial future.
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Frequently Asked Questions About Rocket Money vs Mint
Is Rocket Money or Mint better for beginners?
Mint is generally better for beginners due to its intuitive interface, comprehensive educational resources, and broader feature set available on the free plan. Rocket Money, while also user-friendly, offers a more focused approach that may require some financial literacy to fully utilize its subscription management and bill negotiation features.
Can I use Rocket Money and Mint at the same time?
Yes, many users actually benefit from using both apps simultaneously. You can use Mint for its comprehensive budgeting and financial tracking while utilizing Rocket Money specifically for subscription management and bill negotiation. Just be aware that you'll need to maintain both apps and may see some overlapping functionality.
Are Rocket Money and Mint secure for linking my bank accounts?
Both Rocket Money and Mint use bank-level 256-bit encryption and secure connections (TLS/SSL) to protect your data. Neither app can move money without your explicit permission. Both services are read-only when connected to your accounts, meaning they can only view your transactions but can't make any changes or transfers. As with any financial app, it's recommended to use strong, unique passwords and enable two-factor authentication.
Is the premium version of Rocket Money or Mint worth it?
Whether the premium version is worth it depends on your financial needs. Rocket Money Premium ($3-12/month) is worth it if you'll benefit from bill negotiation, premium chat support, and automatic savings features. Mint Premium ($4.99/month) delivers ad-free experience, advanced subscription management, and enhanced insights. Most users can start with the free versions and upgrade only if they find they need the additional features.
Which app is better for customizing spending categories and budgets?
Mint offers more robust customization for spending categories and budgets. It allows for the creation of main categories, subcategories, and more granular budget controls. Rocket Money provides customization but with fewer options for hierarchy and organization. If detailed categorization and budget customization is important to you, Mint has the edge in this area.
