July 19, 2024
Rocket Cash vs. Mint

Mint was one of many longest-standing budgeting apps available on the market till its guardian firm, Intuit, introduced in late 2023 that it could shut down the app as of January 1, 2024. 

The considerably shocking transfer has left hundreds of customers trying to find a Mint different to assist them handle their funds. Whereas Intuit is steering folks in the direction of Credit score Karma, one other model underneath its umbrella, it’s a superb time to check totally different apps to seek out the most suitable choice on your scenario. 

Rocket Cash, previously Truebill, is one possibility to think about. This app affords options much like Mint, although some key variations exist. Right here’s what you’ll want to find out about Rocket Cash, its execs and cons, options, and the way it stacks up towards Mint. 

Rocket Cash


Construct a funds via particular person expense categorization and create financial savings objectives each individually and with a associate

TIME’s Take

Whereas Mint was a wonderful budgeting software, Rocket Cash additionally has budgeting options that can assist you keep on observe. Moreover serving to you observe and handle your cash, it has instruments for negotiating your payments, managing streaming companies subscriptions, and extra. General, Rocket Cash might be a superb different to Mint, although its free model affords fewer options. 

How Rocket Cash saves you cash

Rocket Cash affords a number of options that can assist you [save money](https://time.com/personal-finance/article/best-money-saving-apps/). Its budgeting software analyzes your spending and offers perception into how a lot you possibly can afford to spend every month, and it allows you to arrange and work towards financial savings objectives. You can too use the app to establish your month-to-month subscriptions and cancel them in case you select. Those that improve to the Premium model will get entry to a subscription-cancellation assistant that cancels undesirable subscriptions in your behalf. 

Moreover, you should use Rocket Cash to barter your month-to-month payments, which might additionally prevent cash. Simply remember that Rocket Cash takes between 30% and 60% of the whole financial savings it negotiates in a given yr. 

Rocket Cash execs & cons


  • Free model accessible
  • Budgeting and saving instruments
  • Can observe credit score rating progress
  • Can observe web price


  • Free model has restricted options
  • Invoice negotiation is dear
  • Premium model prices as much as $12/month

How Mint saves you cash

Whereas it’s now not accessible to obtain, Mint supplied a number of options that might assist prevent cash, a few of which have migrated over to Credit score Karma. The app simply linked up with financial institution, bank card, and mortgage accounts; had complete spend monitoring; and its budgeting software offered useful perception into the place your cash was going. Customers might additionally set financial savings objectives and observe their progress, observe their TransUnion VantageScore credit score scores, and think about their investments, all underneath one umbrella. 

Mint supplied most of its options free of charge, so customers didn’t want to fret about an added value consuming into their financial savings. An optionally available Premium model was accessible for $4.99 per 30 days, and there have been further prices for invoice negotiation via its associate, BillShark. If BillShark efficiently negotiated financial savings with service suppliers inside two years, it could take 40% of that financial savings. 

Mint execs and cons


  • Free app
  • Budgeting and saving instruments
  • Tracked credit score rating progress
  • Tracked investments


  • Now not accessible
  • Invoice negotiation for a charge

Rocket Cash vs. Mint: Comparability chart

Reducing payments and canceling; unused subscriptions

Free, with optionally available paid options

Free, with optionally available paid options

Subscription administration; Spend monitoring; Automated saving; Invoice negotiation; Credit score-score monitoring; Budgeting; Web-worth monitoring

Spend monitoring; Automated saving; Credit score-score monitoring; Budgeting; Funding monitoring

Financial institution accounts, bank card accounts, funding accounts, loans, streaming companies

Financial institution accounts, bank card accounts, funding accounts, loans, streaming companies

On-line dashboard, iOS, Android

On-line dashboard, iOS, Android

Credit score rating calculated by

Key similarities 

Out there options

Each Mint and Rocket Cash provide comparable options. Customers can develop a funds, observe spending, view their credit score rating, and observe its progress, set and observe financial savings objectives, and negotiate payments. Used correctly, all of those options might probably prevent cash. 

Account linking

Each Mint and Rocket Cash hook up with various kinds of financial institution, bank card, and mortgage accounts. Customers can even hyperlink up their streaming companies and funding accounts, making it simple for customers to trace the place their cash goes and establish spending patterns and habits. 

Out there platforms

Each budgeting instruments had been accessible on comparable platforms. Rocket Cash affords a web based dashboard and apps for iOS and Android. Customers might additionally entry Mint via these platforms. 

Key variations

App function

Mint was a budgeting software first, permitting customers to develop and keep a personalized funds and set and observe financial savings objectives. Whereas Rocket Cash allows you to do these items too, it focuses extra on subscription administration as a money-saving software.  

Variety of free options

The variety of options accessible for the price is a main distinction between Rocket Cash and Mint. Rocket Cash affords restricted options—ncluding account linking, steadiness alerts, subscription administration, and spend monitoring—free of charge. You’ll want a Premium subscription to entry its different options. 

Mint supplied most options with its free account. Customers might improve to Premium for added options like invoice negotiation and deeper perception into your funds.


A Mint Premium account value $4.99 per 30 days. Rocket Cash customers pay between $4 and $12 per 30 days for a Premium account. Moreover, Mint associate BillShark would take 40% of the whole financial savings it negotiated on customers’ payments within the first 24 months. Rocket Cash takes between 30% and 60% of whole financial savings from invoice negotiations within the first yr. 

The place Mint was higher

Options accessible for worth

Mint supplied a broader vary of options free of charge than Rocket Cash. Customers might entry virtually the whole lot the app supplied for free of charge, besides invoice negotiation and in-depth cash evaluation. The upper-tier model of Mint was additionally cheaper total than Rocket Cash’s Premium model. 

Budgeting and saving

As talked about, Mint’s main focus was serving to customers with budgeting and setting financial savings objectives. The vast majority of Mint customers relied on the app as a real budgeting software. Issues like invoice negotiation and subscription administration had been secondary focuses via Mint and its associate. 

The place Rocket Cash is best

Invoice negotiation and subscription administration

Rocket Cash’s bill-negotiation and subscription-management options are the first methods its customers lower your expenses. These options had been a secondary focus for Mint, which supplied invoice negotiation via a third-party associate, BillShark. You need to use Rocket Cash to simply establish your month-to-month subscriptions and cancel them your self, or have the app cancel them for you in case you’re a Premium consumer. 

Likewise, Rocket Cash Premium customers additionally get entry to its bill-negotiation characteristic, previously Truebill. It’s potential that Rocket might prevent a big amount of cash with invoice negotiation, although it does take between 30% and 60% of any financial savings it negotiates. 

Backside line

With Mint’s current shutdown, former customers are doubtless searching for different budgeting options. Rocket Cash is one possibility to check in case you’re searching for a brand new software for managing your cash. The app affords many options much like Mint however has fewer free options. Its invoice negotiation software additionally takes as much as 60% of your whole financial savings, which is a comparatively excessive share. 

Regardless of the potential added prices, Rocket Cash might be a good selection for some. Its credit-score and net-worth monitoring are useful instruments for these searching for options past budgeting and saving. General, it’s price seeing what Rocket Cash has to supply as you examine totally different money-management apps, however different choices with extra free options could be a greater match for former Mint customers. 

Rocket Cash


Construct a funds via particular person expense categorization and create financial savings objectives each individually and with a associate

Ceaselessly requested questions (FAQs)

Why is Mint shutting down?

It’s unclear why Intuit determined to close down the favored private finance app, Mint. On condition that the corporate appears to be encouraging customers emigrate to Credit score Karma, it might be shifting extra of its focus to that model. 

What different alternate options are there to Mint or Rocket Cash?

A number of alternate options to Mint and Rocket Cash can be found. Free choices embrace Goodbudget, SoFi Insights, Empower, and Cash Supervisor. Different budgeting apps like YNAB (you want a funds), Quicken Simplifi, Monarch Cash, and PocketGuard have a nominal value. 

Is Rocket Cash protected?

Rocket Cash has a number of safety measures in place to assist hold consumer knowledge protected. It depends on encryption know-how, doesn’t retailer any banking logins for customers, and its servers are safe. 

Nevertheless, some customers complain about its bill-negotiation companies, citing issues with firm representatives impersonating account holders in an effort to cut back their month-to-month payments. Others point out points with surprising costs associated to invoice negotiation.