Personal Finance · head to head
Rocket Money vs Mint
Rocket Money
Personal Finance
Cancel subscriptions and save money automatically
- From
- Free
- Rated
- -
The short version
- Each has a real cost: Rocket Money successful bill negotiation costs a one time fee of 35% to 60% of the first year's savings; Mint service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere
- They diverge on capability: Rocket Money covers Subscription tracking, Mint covers Expense tracking.
Where they differ
Only the attributes on which Rocket Money and Mint actually diverge.
| Attribute | Rocket Money | Mint |
|---|---|---|
| Pricing model | freemium | free |
| Founded | 2016 | 2006 |
Identical on both: starting price (Free), free tier (Yes), platforms (Web, IOS, Android), user rating (Not yet rated), category (Personal Finance).
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 Rocket Money
- Subscription tracking
- Bill negotiation
- Automatic savings
- Spending insights
- Bank accounts
- Credit cards
- Utility providers
- IOS support
Only in Mint
- Expense tracking
- Budgets
- Bill tracking
- Financial insights
- Bank connections
- Bank-level encryption
- Verisign secured
- 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.
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
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
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
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
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
Pricing, plan by plan
Rocket Money
Free- FreeFree
- Subscription tracking
- Spending insights
- Bill reminders
- Premium$12/month
- Bill negotiation
- Subscription cancellation
- Smart savings
Mint
FreeNo published plan breakdown. See the Mint review.
Which should you pick?
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.
Choose Mint if
- You need expense tracking.
- You want to start without paying.
- You work on Web, iOS, Android.
- You also want budgets.
Questions people ask
- Is Rocket Money or Mint better?
- Neither clearly leads. Rocket Money starts at Free and Mint at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Rocket Money or Mint?
- Rocket Money starts at Free and Mint at Free.
- Does Rocket Money or Mint run on more platforms?
- Rocket Money runs on Web, IOS, Android. Mint runs on Web, iOS, Android.
- Can I use Rocket Money for free?
- Both have a free tier, so you can try either at no cost before committing.
- What is Rocket Money best used for?
- Rocket Money is most often used for finding and cancelling unwanted subscriptions, tracking bills and spending in one app, having a third party negotiate down recurring bills. Of those, finding and cancelling unwanted subscriptions and tracking bills and spending in one app are not what Mint is typically brought in for.
- What can Rocket Money do that Mint cannot?
- Rocket Money covers Subscription tracking, Bill negotiation, Automatic savings, Spending insights. Mint covers Expense tracking, Budgets, Bill tracking, Financial insights. Both handle Credit score monitoring, Web support, Android support.