Rocketmoney
Rocket Money is a personal finance app built to give you more control over your money. It automatically tracks your spending across linked accounts, highlights recurring subscriptions, and makes it simple to cancel the ones you don’t need.
Our Verdict
What is Rocketmoney
Rocket Money is a personal finance app built to give you more control over your money. It automatically tracks your spending across linked accounts, highlights recurring subscriptions, and makes it simple to cancel the ones you don’t need. Beyond tracking, it helps you stay on top of your budget with alerts when you’re nearing your limits and even offers bill negotiation services to lower monthly expenses. You can also set up savings goals, monitor your credit score, and receive smart alerts for upcoming bills or unusual charges. It’s an all-in-one financial assistant that can help cut costs, boost savings, and give you a clearer view of where your money is going.
Is Rocketmoney worth registering and paying for
Rocket Money (formerly Truebill) is definitely worth considering if you’re looking for an all-in-one finance app to get a grip on your money. The free version already does a solid job with expense tracking, subscription management, and budgeting, which can save you money almost immediately by pointing out forgotten charges or unnecessary spending. The paid version adds features like bill negotiation and premium savings tools, which can be valuable if you want a more hands-off approach to cutting costs. That said, its value really depends on how much you take advantage of those premium services—if you’re disciplined with finances, you might get by with the free plan, but if you struggle with subscriptions, budgeting, or bill management, the paid version can quickly pay for itself.
Our experience
As a group striving to take charge of our finances, we’ve been using Rocket Money, and it’s been a fantastic tool for simplifying money management and gaining clarity over our spending. The app’s promise of being an all-in-one financial assistant has held up, making it easier for us to track, save, and optimize our budgets.
Setting up Rocket Money was a breeze. Linking our bank accounts and credit cards took just a few minutes, and the app immediately started tracking our spending. The standout feature for us was the subscription tracking—it flagged recurring charges we’d overlooked, like old gym memberships or forgotten streaming services. Canceling those unwanted subscriptions was as simple as a few taps, saving us money we didn’t even realize we were wasting.
The budgeting tools are intuitive and effective. We set up custom budgets for categories like groceries, entertainment, and utilities, and the app’s alerts kept us in check when we were close to overspending. The clear, visual breakdown of our spending habits helped us identify areas to cut back, like impulse online purchases. We also appreciated the smart alerts for upcoming bills or unusual charges, which caught a couple of unexpected fees before they became bigger issues.
The bill negotiation service was a pleasant surprise. We uploaded a few of our recurring bills, like internet and phone plans, and Rocket Money’s team negotiated lower rates on our behalf. It wasn’t a massive savings every time, but the effort-free reductions added up. The savings goal feature also motivated us to set aside money for things like emergency funds or a group vacation, with progress tracking that kept us engaged.
Monitoring our credit scores within the app was a nice touch, giving us a quick way to stay on top of our financial health without juggling multiple tools. The app’s interface is sleek and user-friendly, making it easy to navigate even for those of us who aren’t finance experts.
That said, there were a few hiccups. The free version is solid but limited, and the premium subscription (around $4–$12/month) felt a bit pricey for some of us, though the bill negotiation and premium features justified it for most. Occasionally, we noticed minor delays in transaction syncing, which could be frustrating when we needed real-time data.
Overall, Rocket Money has been like a financial co-pilot, helping us cut costs, stay on budget, and save more with minimal effort. It’s given us a clearer picture of where our money goes and empowered us to make smarter choices. For anyone looking to streamline their finances and catch sneaky expenses, we think Rocket Money is a great pick.
