Rocket Money 2025 Review: CNET’s Pick for Best Budgeting App

I wonder where budget program should you use it? Rocket Money should be at the top of your consideration list.

Rocket Money (formerly known as Truebill) was CNET’s 2024 Editors’ Choice choose the best budgeting software. It is cheap, easy to use and has many useful features. It also offers some special features, such as cancellation of registration and negotiate bills. There is a free and premium version, with a minimum price of $6 per month.

Here’s what you need to know to decide if Rocket Money is right for you.

How does Rocket Money work?

Rocket Money’s budgeting app connects to your bank accounts to track your income and spending. It can automatically filter your activity into certain categories, such as shopping or real estate, to exclude some of your activities. budget planning. You can also edit your actions and create rules to decide future actions.

Rocket Money lets you set goals and shows you how much you’ve spent so far in each category. You can adjust your budget every time to calculate unexpected costs.

The free version of Rocket Money is limited but offers basic budgeting functions such as money tracking which may be sufficient for some users. The paid version, which costs $6 to $12 per month, offers advanced features such as budget groups, automatic storage and credit reports it’s a web worth following.

What we like

• Possible cost: Rocket Money Premium costs $6 to $12 per month. The money you pay is up to you, and you’ll enjoy the same no matter which currency you choose.
• Ease of use: Rocket Money’s mobile app and online platform are both easy to use. Information is presented in a clean, easy-to-understand format that tells you what you need to know without overwhelming you.
• More information: You can choose to receive a variety of notifications to stay on top of your finances, from bill hikes and bank fee alerts to theft alerts and credit reports.
• Storage purposes: Rocket Money Premium offers a Smart Savings account to create put money aside It’s easy. You can set up backups and schedule regular transfers to this account. Smart Savings accounts are FDIC insured, so your savings are safe up to $250,000 per account holder.
• Credit and due diligence: Rocket Money Premium offers a credit view and credit report as well as value trackers. (The free version offers credit viewing only.)
• Bill’s discussion: Rocket Money also offers a bill negotiation service which is available to both free and paid users. Rocket contacts your service provider — such as your cell phone or internet — to try to lower your bill. You will pay a fee if they do well, but it can be beneficial to you if you hate customer returns.

What we didn’t like

• The free version has limitations: You can get away with using the free version of Rocket Money, but it’s pretty bare bones. If you want things like budget groups, you have to pay for a premium membership.
• No loan repayment schedule: Some budgeting programs, such as PocketGuard, offer a debt repayment plan to help you reduce your debt. Rocket does not. You can link your credit card accounts to see your balance, but that’s about it.
• No fundraising tools: You can connect your investment accounts to Rocket Money and track your finances, but if you need help with financial planning, you’re better off with a program like Empower, which offers tools to analyze and optimize your strategy.
• Traditional budgeting method: Rocket Money uses a budgeting method: You set your budget and use goals in advance, and you can change them from month to month. This method may not work for everyone. If you need a way to increase your budget or you need help to manage your money, you can be well helped by budgeting programs like zero. EveryDollar and YNAB or with the Goodbudget envelope method.
• Billing fees: If the project with Rocket Money is successful, you will pay them 30% to 60% of your savings in the first year (you choose your amount). You can contact the provider yourself and save the cost.

Is Rocket Money safe?

Yes, Rocket Money software is generally safe. It uses 256-bit encryption — the same encryption used by most banks — and partners with payment network Plaid to connect your accounts instead of storing your personal information. That said, your financial information can be at risk if your phone is lost or stolen, so you need to know how to remotely wipe your phone in the event.

Who is Rocket Money good for?

Rocket Money provides all the tools you need to create and maintain a budget. It’s available to many readers, easy to use, and the premium subscription is affordable.

Because of this, we found Rocket Money to be a solid Mint heirlooma popular budgeting app that disappeared in March 2024.

Alternatives to the Rocket Money program

Rocket Money offers something for everyone, but it’s not the only budgeting app on the market. You can explore your options by looking at ours The best budgeting apps.

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