Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
The verdict on

Rocket Money

55
User verdict / 100 High confidence Divided

Rocket Money is praised by many for its ability to track spending and manage subscriptions, but a significant number of recent users report persistent issues with bank connectivity, inaccurate expense tracking, and difficulty canceling the app's own premium service.

4.5★ lifetime (368,663) Free + in-app purchases since 2016 by Rocket Money updated 0.1 mo ago recent negative 57% 120 reviews across 1 regions
Subscription Management Bank Connectivity Budgeting & Spending Tracking Billing & Charges User Experience/Interface
5★79
4★9
3★20
2★27
1★115
recent reviews across 1 regions, vs the 4.5★ lifetime average

Rocket Money aims to help users organize finances, track spending, and manage subscriptions. While some users find it highly effective for budgeting and identifying unwanted recurring charges, others report frequent bank connection problems, inaccurate expense categorization, and difficulties with the app's subscription cancellation features.

What users like

  • Helps users track spending and organize finances effectively.R7R13R17R42
  • Assists in identifying and canceling unwanted subscriptions.R7R38R39R47
  • Provides helpful alerts and reminders for upcoming bills and spending.R7R9R73R126
  • Offers a consolidated view of multiple bank accounts and credit cards.R17R248

What users complain about

  • Frequent issues with bank account connectivity and syncing, leading to inaccurate balances and transaction data.R1R37R58R62
  • Inaccurate expense tracking and categorization, often missing transactions or mislabeling them.R2R8R40R67
  • Difficulty canceling Rocket Money's own premium subscription, with some users reporting unauthorized charges after cancellation attempts.R4R22R43R54
  • The app often fails to find all subscriptions or allow in-app cancellation, contradicting its advertised features.R10R21R29R32
  • Users find the app confusing to navigate and set up, especially for budgeting.R14R25R35R124
  • Concerns about aggressive marketing, ads, and potential data privacy issues.R36R53R79
  • Missing key features like budget rollover, support for popular payment apps (Cash App, Affirm), or desktop versions.R6R18R26R27

Latest update · v15.0.0

What the developer says changed (the verdict above weighs this against what reviewers report):

Bug fixes and improvements.

Recurring themes

Bank Connectivity negative
Many users report frequent disconnections from their banks, requiring constant re-linking and leading to incorrect balances and transaction data. This issue appears to be persistent and affects the app's core functionality.R1R37R58R62
Subscription Management mixed
While some users successfully identify and cancel unwanted subscriptions, a significant number report the app either doesn't find all their subscriptions, misidentifies them, or doesn't allow in-app cancellation, requiring manual effort. The app's own subscription cancellation is also a major pain point.R10R21R29R32
Budgeting & Spending Tracking mixed
Many users praise the app for helping them track spending, organize finances, and gain awareness of their habits. However, others find the budgeting features confusing, difficult to set up, or report inaccurate expense categorization and duplicate transactions, making it less helpful.R2R8R13R17
Billing & Charges negative
A significant number of users report being unknowingly charged for premium memberships, having difficulty canceling their Rocket Money subscription, or experiencing fraudulent charges. Some also feel the pricing model is predatory or not worth the cost.R4R12R19R22
User Experience/Interface mixed
Some users find the app easy to use and well-designed, while others describe it as clunky, confusing, difficult to navigate, or requiring too much manual setup.R14R25R35R36

Who it's for

Rocket Money is for individuals who want a consolidated view of their finances, are proactive about tracking spending, and are willing to invest time in setting up and potentially correcting account links and transaction categories R7R17R42. It could be particularly useful for those with multiple accounts and credit cards R17.

Evidence note: The recent reviews skew negative, with many users reporting issues that contradict the developer's general 'bug fixes and improvements' notes, particularly around bank connectivity and subscription management. The lifetime rating is significantly higher, suggesting a decline in recent user satisfaction or more vocal negative experiences.

Frequently asked

Does Rocket Money help cancel subscriptions?
Rocket Money advertises helping cancel subscriptions, and some users confirm it successfully identified and helped them cancel unwanted services R38. However, many other users report that the app either failed to find all their subscriptions or did not allow in-app cancellation, requiring them to do it manually R10R21R32.
Is Rocket Money free?
Rocket Money offers a free version, but many of its advertised features, such as bill negotiation and advanced subscription management, are behind a premium subscription R12R19R29. Users report being charged for premium services, sometimes unknowingly or without authorization, and difficulty canceling these premium subscriptions R4R22R54.
Does Rocket Money accurately track all expenses?
Rocket Money is intended to track expenses, and some users find it very helpful for monitoring their spending and budgeting R13R42. However, a significant number of recent reviews indicate issues with inaccurate expense tracking, including missing transactions, miscategorized items, and duplicate entries, which can throw off budget calculations R2R8R40R67.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R7] 5/5 · US Rocket Money Worth Every Penny!: Rocket Money has really helped to organize our finances, see our spending clearly and take charge of how and when we spend our money! Alerts are extremely helpful! If you desire to take control of your money instead of having your money control you, then Rocket Money is a must have!! Absolutely love this app!! 5 stars is not enough!!
  2. [R13] 5/5 · US Budget organizer: So good to get to see how much I really spend
  3. [R17] 5/5 · US Easiest Way to stay on top of finances: I’ve been using rocket money for a few years now and loving it. I have multiple credit cards and two bank accounts and having it all in one place allows me to really be on top of things. Also the easy ability to see how much I spend in each category has been really helpful. Highly recommend!
  4. [R42] 5/5 · US Has help me budget and save!: For a young guy out of college to now 4 years later I needed some help grasping my financials and being able to save for the future and present. Rocket Money has help me do that and create the proper basics to have down when sending, budgeting, and saving!
  5. [R38] 5/5 · US Liz T.: Rocket Money saved me hundreds. Removed unnecessary subscriptions.
  6. [R39] 5/5 · US Saves Me Money.: Saves me money!
  7. [R47] 5/5 · US Works like they said it would: Makes cancelling subscription really easy and another app that helps you track spending
  8. [R9] 5/5 · US No worries about what/when a bill is coming out!: It is a comfort to see at anytime when money is coming out of your account. Right at your fingertips,no searching for a bill - knowing what's coming i out and how much leeway I have for spending without over drawing.
  9. [R73] 5/5 · US Focused: Focused on the importance of financial health and literacy. It helps me with reminders and planning.
  10. [R126] 5/5 · US Easy subsciption management.: Helps out a lot on saving money. Saved me on late fees for my loans it reminds you for stuff
  11. [R248] 3/5 · US It’s just okay: Started using Rocket Money about 3 months ago. It is good for a consolidated view. It only found about 15% of my subscriptions. It says it can lower the price I am paying for them but really it just gives me the support numbers or email so I can call. Again the app is fine. I have nothing to compare it to but I really wanted to help find all my subscriptions.
  12. [R1] 3/5 · US UBS connection broken?! I’m gonna stop paying!: I like Rocket Money I like that it tells me my balance and every morning and things that come through and things that are coming and whatever I’m already on top of my own subscription so that’s completely useless but the most inconvenient thing is the handshake between my bank UBS checking account and I don’t know what they use plaid whatever it is i
  13. [R37] 1/5 · US Save: I have been trying to save money, but it won’t link to my account. It’s linked to my account, but it won’t pull every time. I try to put something into the savings. It won’t let me it keeps showing a negative.
  14. [R58] 1/5 · US Wont link my bank: Terrible. Tried 6 months ago to link my bank then deleted the app, got it back today and went thru the whole process just for it to not let me link my bank account again. Terrible.
  15. [R62] 1/5 · US App not functioning.: I’ve input a lot of personal information on this app for the app all of a sudden to give me an access denial.
  16. [R2] 1/5 · US So far it’s awful: I had really high hopes for this app and thought it was going to be super helpful but so far it’s kind of useless. It’s only picked up about half my expenses and is telling me I have way more money in my budget left to spend then I actually do.
  17. [R8] 1/5 · US Not worth the money: This app isn't nearly what it advertises. "Unwanted subscriptions" are any payments of the same cost that seem to occur on a near-monthly basis. It referred to my transferring money to a friend a couple times as a subscription, among other things as well as the cost of me frequenting my favorite smoothie place? Speaking of subscriptions, though Rocket Money advertises clearing
  18. [R40] 3/5 · US I love the app! But-: I really do love the app and the service it offers. However, im frequently getting notifications of "refunds" that were purchases that I have made and I have to report the issue. Hopefully with the update I just did maybe that issue may be fixed but it throws me and the numbers in the app off and makes the experience frustrating.
  19. [R67] 1/5 · US Not helpful unless you are already cooked: If you pay cash for things or dont have many subscriptions or services it really isn’t helpful. The app is getting nearly EVERY category of spending wrong and is god awful at attempting to adapt to whatever is going on with my finances. The budget is terrible, genuinely not many options if I want to use it and allow it to track my budget instead of doing
  20. [R4] 1/5 · US Costs me more than it helps: Costs me more money than it helps me save and I’ve keep trying to unsubscribe and it won’t let me… so frustrated
  21. [R22] 2/5 · US 😡😡😡😡😡😡😡: I was charged for a membership that I never authorized. I never bought it.
  22. [R43] 1/5 · US Scam: They charged me for the service twice and the customer support isn’t responding to my messages. This is fraudulent app
  23. [R54] 1/5 · US Unknowingly being charged: I had cancelled this subscription thru my apple subscriptions… they continued charging thru the app & I had no idea. Super disappointed.
  24. [R10] 1/5 · US Subscriptions: I only joined for subscription. review but it said none. That’s wrong
  25. [R21] 1/5 · US Useless App: Thought this was supposed to make it easier to view and cancel subscriptions. They want you to manually input every single subscription. Kinda defeats the purpose, no?
  26. [R29] 2/5 · US They want to help you cancel subscriptions by signing you up for a new subscription.: I was hopeful and now I am very disappointed. They want to help you cancel subscriptions by signing you up for a new subscription. There were no surprises in the list of subscriptions that Rocket Money had, and subscriptions that I expected to see were missing. Waste of time for me so far.
  27. [R32] 1/5 · US Not worth signing up: I signed up to get them to cancel a subscription I couldn’t find to cancel because that is what they say they do when you link your accounts. Well they couldn’t find the subscription and told me to cancel it myself. So yeah I will start with canceling this subscription.
  28. [R14] 1/5 · US Clunky: Not helpful.
  29. [R25] 2/5 · US Budget: It’s low key hard to navigate and the budget is hard to figure out and set up
  30. [R35] 1/5 · US Not Helpful for managing subscriptions: Not at all helpful really for anything. It will cost you much more than you save. Cancelling a subscription is a joke. Much simpler to just do it yourself. The app is confusing and hard to use. Now I gotta figure out how to cancel it!
  31. [R124] 3/5 · US Confusing: The app is very confusing to use. I thought it would be much simpler.
  32. [R36] 3/5 · US Annoying: The app is functional and ok to use, but my god the ads are so insanely annoying. There’s no such thing as an average person needing to budget that would be clueless about 23 subscriptions costing them $500 a month and who’s idea was it to get people in a podcast setting to talk about this app as well? Worst marketing I’ve ever seen
  33. [R53] 1/5 · US Don’t download: Please don’t download rocket money they will sell your information or use it. I had an account with a cellular company and they tried buying things and adding more services to my account. Thankfully they knew my voice and it wasn’t mine. I actually had a conversation with the person who acted like me. He hung up after he was caught. They told me it was rocket money doing this
  34. [R79] 2/5 · US Disappointed with aggressive advertising: I bought a premium account. Since that time I have received relentless rocket money ads across all platforms. Not clear why I am getting bombarded since I bought a premium account. Never received this ad abuse before I bought a premium account. I will cancel my account and not look back.
  35. [R6] 2/5 · US No rollover: There is a lot to love about this app EXCEPT the one thing that would make budgeting truly functional - the ability to rollover surplus or deficits in budget lines from month to month. They have a savings assistance option that they rolled out that you could use for excess perhaps - like if you are saving for a vacation, etc - but it doesn’t help if you have quarterly bills like water
  36. [R18] 2/5 · US Not a bunch of banking: I feel like a bunch of people use Cashapp, Affirm, Afterpay, Klarna etc. and for Rocket Money to still not have those as linkable just ruins the app for me. I’m bad with money and that’s why I have rocket money but I feel like it hasn’t helped me past just viewing subscriptions after like 6 payments.
  37. [R26] 2/5 · US Missing Critical Feature: The mobile app is super nice. But, without an Apple or Windows app it brings less value. BOTTOM Line: get an app out that does not require me to pickup my phone to use it.
  38. [R27] 2/5 · US Not customizable: Does not let you export specific transactions to csv files. Makes transferring info to excel sheets difficult
  39. [R12] 5/5 · US Payments: Just friendly reminder you gotta pay monthly to save money💀
  40. [R19] 1/5 · US *BEWARE* Predatory charging: They will estimate the amount you owe them by how much they save you annually so 12 months and they don’t let you adjust the percent or time frame. So if they save you $50 a month they say they save you $600 a year and they charge you $300 if you set it to 50%. I was under the assumption it with the monthly payment because I plan on moving in 4 months. It’s just weird

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store