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Mint vs Rocket Money

Mint logo

Mint

Software

All your money in one app

From
Free
Rated
-
Full reviewWebsite
Rocket Money logo

Rocket Money

Software

Cancel subscriptions and save money automatically

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Mint service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere; Rocket Money successful bill negotiation costs a one time fee of 35% to 60% of the first year's savings
  • They diverge on capability: Mint covers Expense tracking, Rocket Money covers Subscription tracking.

Where they differ

Only the attributes on which Mint and Rocket Money actually diverge.

Attributes where Mint and Rocket Money differ
AttributeMintRocket Money
Pricing modelfreefreemium
Founded20062016

Identical on both: starting price (Free), free tier (Yes), platforms (Web, iOS, Android), user rating (Not yet rated), category (Unknown).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Mint

  • Expense tracking
  • Budgets
  • Bill tracking
  • Financial insights
  • Bank connections
  • Bank-level encryption
  • Verisign secured
  • Ios support

Only in Rocket Money

  • Subscription tracking
  • Bill negotiation
  • Automatic savings
  • Spending insights
  • Bank accounts
  • Credit cards
  • Utility providers
  • IOS support

Both cover

  • Credit score monitoring
  • Web support
  • Android support

What people use each for

The jobs each tool is most often brought in to do.

Mint

  • Legacy free budget tracking for users with supported bank connectionsnot Rocket Money
  • Users transitioning to Credit Karma for continued money management featuresnot Rocket Money

Rocket Money

  • Finding and cancelling unwanted subscriptionsnot Mint
  • Tracking bills and spending in one appnot Mint
  • Having a third party negotiate down recurring billsnot Mint

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Mint

  • Service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere
  • Bank connections supported for only 17,000 financial institutions; many regional or international banks not supported

Rocket Money

  • Successful bill negotiation costs a one time fee of 35% to 60% of the first year's savings
  • Premium is priced on a sliding scale and the help centre publishes no fixed monthly or annual amount, stating rates vary across platforms
  • Custom budget categories, financial goal plans, credit score tracking and real time account syncing are Premium only
  • The Premium free trial is 7 days

Pricing, plan by plan

Mint

Free

No published plan breakdown. See the Mint review.

Rocket Money

Free
  • FreeFree
    • Subscription tracking
    • Spending insights
    • Bill reminders
  • Premium$12/month
    • Bill negotiation
    • Subscription cancellation
    • Smart savings

Which should you pick?

Choose Mint if

  • You need expense tracking.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want budgets.
Mint review

Choose Rocket Money if

  • You need subscription tracking.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want bill negotiation.
Rocket Money review

Questions people ask

Is Mint or Rocket Money better?
Neither clearly leads. Mint starts at Free and Rocket Money at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Mint or Rocket Money?
Mint starts at Free and Rocket Money at Free.
Does Mint or Rocket Money run on more platforms?
Mint runs on Web, iOS, Android. Rocket Money runs on Web, IOS, Android.
Can I use Mint for free?
Both have a free tier, so you can try either at no cost before committing.
What is Mint best used for?
Mint is most often used for legacy free budget tracking for users with supported bank connections, users transitioning to credit karma for continued money management features. Of those, legacy free budget tracking for users with supported bank connections and users transitioning to credit karma for continued money management features are not what Rocket Money is typically brought in for.
What can Mint do that Rocket Money cannot?
Mint covers Expense tracking, Budgets, Bill tracking, Financial insights. Rocket Money covers Subscription tracking, Bill negotiation, Automatic savings, Spending insights. Both handle Credit score monitoring, Web support, Android support.
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