When Mint shut down in January 2024, millions of users were left scrambling for a replacement. According to Rocket Money, the platform saw a massive surge of former Mint users migrating over — and it's easy to see why. Rocket Money had already built a reputation as one of the most feature-rich personal finance apps available, offering budgeting, subscription management, bill negotiation, and automated savings under one roof.
Quick Answer
Mint shut down in January 2024, leaving Rocket Money as a top alternative. Rocket Money offers budgeting, subscription cancellation, bill negotiation, and automated savings — features Mint never had. It has a free tier, but premium costs $6–$12/month. For former Mint users, Rocket Money is the closest full-featured replacement available in 2026.
Rocket Money vs Mint: What to Know (2026)
But with Mint officially gone, the real question for 2026 isn't just "how does Rocket Money compare to Mint?" — it's whether Rocket Money is the right choice for you, or whether another app better fills the gap Mint left behind. If you're trying to get your finances under control, checking out top expense tracking apps alongside this comparison can help you make a smarter decision.
This guide breaks down what Rocket Money offers, how it stacks up against what Mint used to provide, and which alternatives are worth considering in 2026.
What Mint Was and Why It Mattered
Mint was a free budgeting app owned by Intuit that dominated personal finance for over 15 years. It let users link bank accounts, track spending by category, set budget limits, monitor credit scores, and view all their finances in one dashboard — all at no cost. Its biggest draw was simplicity and the price: free. The downside was its reliance on ad revenue, which meant a cluttered interface and frequent product upsell prompts. When Intuit shut it down in early 2024, it redirected users to Credit Karma, which is far more limited as a budgeting tool.
- Mint was 100% free with no premium tier
- Focused primarily on budgeting and spending categorization, not savings automation
What Rocket Money Brings to the Table
Rocket Money (formerly Truebill) is a personal finance app that goes beyond basic budgeting. It tracks your spending, helps you set and manage budgets, monitors your credit score, and — uniquely — offers a bill negotiation service where Rocket Money contacts your providers directly to lower your bills. The app also includes a subscription cancellation tool that identifies recurring charges and lets you cancel them in-app. There's a free tier, but the more powerful features require a premium plan ranging from $6 to $12 per month (you choose what you pay).
- Bill negotiation service takes a percentage of the savings it wins for you — no savings, no fee
- Automated savings feature moves money into a Rocket Money savings account based on your goals
Rocket Money vs Mint: Feature-by-Feature Breakdown
Budgeting Tools
Mint's budgeting was category-based and largely automatic — it sorted transactions and compared them against self-set limits. Rocket Money does the same but adds more customization, letting you split transactions, adjust categories manually, and set rollover budgets. For users who want to actively manage their money rather than just monitor it, Rocket Money's approach is more flexible.
- Rocket Money allows rollover budgets; Mint did not
- Both apps auto-categorize transactions, but Rocket Money's manual override is more intuitive
Subscription and Bill Management
This is where Rocket Money clearly outperforms what Mint ever offered. Mint could show you recurring charges, but it couldn't do anything about them. Rocket Money actively scans for subscriptions, flags ones you may have forgotten, and lets you cancel directly through the app. The bill negotiation feature is a genuine differentiator — if you're focused on lowering your monthly bills, this alone could justify the premium cost.
- Subscription cancellation is available on the free tier
- Bill negotiation is a premium feature and handles providers like cable, internet, and phone
Credit Score Monitoring
Both Mint and Rocket Money offered credit score tracking. Rocket Money provides a free credit score check powered by TransUnion, with basic monitoring included. Premium users get more detailed credit reports and change alerts. It's not as robust as a dedicated credit monitoring service, but it covers the basics well enough for most users.
- Free credit score access with no premium required
- Not a full credit monitoring suite — purely informational
Savings Goals
Mint had a goals feature, but it was passive — it tracked your progress without moving any money. Rocket Money's Smart Savings feature actually automates transfers to a savings pocket, making it far more actionable. You set a target, choose a frequency, and the app handles the rest. For anyone building an emergency fund or saving toward a purchase, this is a meaningful upgrade over what Mint provided.
- Smart Savings is only available to premium subscribers
- Savings are held in an FDIC-insured account through Rocket Money's banking partner
Cost Comparison
Mint was free — that was its biggest advantage. Rocket Money has a free tier that covers basic budgeting and subscription tracking, but the most useful features (bill negotiation, savings automation, premium budgeting tools) sit behind a paywall. The pay-what-you-want model between $6 and $12 per month is consumer-friendly, but it does mean Rocket Money isn't a direct like-for-like replacement for Mint's zero-cost experience.
- Free tier covers: spending tracking, basic budgets, subscription detection, credit score
- Premium tier ($6–$12/month): adds bill negotiation, Smart Savings, priority support, and detailed budgeting
Best Mint Alternatives Beyond Rocket Money
Rocket Money is a strong choice, but it's not the only option. Depending on your budgeting style and budget, one of these alternatives may fit better.
Monarch Money
At $99.99 per year, Monarch Money is the most direct Mint replacement in terms of layout and features. It supports joint accounts, investment tracking, and net worth monitoring. Account syncing is reliable, which was a chronic issue with Mint. Best for couples or anyone wanting a full financial dashboard.
YNAB (You Need A Budget)
YNAB is built around proactive, zero-based budgeting — every dollar gets assigned a job before you spend it. It costs $14.99/month or $99/year, but users consistently report significant improvements in their spending habits. Best for people who want structure and accountability, not just tracking.
Copilot
Copilot is an AI-enhanced budgeting app available on iOS. It offers smart transaction categorization, bill detection, and subscription monitoring with a clean interface. It's well-reviewed in 2026 and offers a free trial. Best for iPhone users who want modern design with intelligent automation.
EveryDollar
From Dave Ramsey's team, EveryDollar is a straightforward zero-based budgeting tool. The free version requires manual transaction entry; the premium version connects to your bank. Best for beginners or those following the Ramsey financial method who want simple, no-frills budgeting. If you're also looking at cutting your phone costs, pairing EveryDollar with Rocket Money's bill negotiation could be a smart combo.
Tiller
Tiller connects your financial accounts to Google Sheets or Excel, giving you full spreadsheet control over your budget data. At $79/year after a 30-day free trial, it suits users who want maximum customization without being locked into an app's fixed categories. Best for data-savvy users comfortable with spreadsheets. You can also explore free budget spreadsheet templates to get started before committing.
Final Words
Mint is gone, and no single app replicates it exactly. Rocket Money is the best overall replacement if you want an active financial management tool — especially for subscription cleanup and bill negotiation. If you just want a clean budgeting dashboard, Monarch Money or YNAB may serve you better. The good news: most of these apps offer free trials, so there's no reason not to test a couple before committing. Pick the one that matches how you actually want to manage your money, not just the one with the most features.