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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Rocket Money vs Monarch

Rocket Money 4.5★ · Free + IAP 65
Winner Monarch
Monarch 4.9★ · Free + IAP 75

Monarch is generally preferred for comprehensive budgeting and financial tracking, especially for families and those who valued Mint.com, despite its higher cost and occasional syncing issues; Rocket Money offers a free tier and is better for basic spending awareness and subscription management.

Full reviews: Rocket Money · Monarch

Monarch excels in detailed budgeting, transaction categorization, and collaborative features, making it a strong Mint.com replacement, but users report persistent syncing problems and a high price. Rocket Money provides a simpler approach to tracking spending and subscriptions, with a free tier, though it struggles with bank connections and advanced budgeting features.

Head to head

Features & Functionality edge: MonarchR5R10R13R16
Rocket Money Rocket Money is praised for helping users track spending and identify subscriptions, with some finding it useful for organizing finances and setting up basic savings goals R5. However, users report that its subscription cancellation feature is often ineffective or misleading R13R16R34R46, and it lacks advanced budgeting features like rollover capabilities R10. Some find the app confusing or clunky R19.
Monarch Monarch is highly valued for its comprehensive budgeting, transaction categorization, and rollover features, making it a strong replacement for Mint.com R62R80R83R86. It supports collaborative finance management for families R74. However, some users find it less effective for debt payoff strategies or long-term financial planning beyond tracking . There are also complaints about the lack of a dedicated Mac app and limited export features .
Ease of Use edge: MonarchR8R12R13R19
Rocket Money Rocket Money is described as easy to use and understand by some , particularly for tracking spending and upcoming bills R8. However, other users find it confusing, difficult to navigate, or clunky R19. Issues with incorrect transaction categorization R12R13 and difficulties with the savings feature R56 are also reported.
Monarch Monarch is generally considered easy to use and intuitive, with a clean interface R83. Users appreciate the ability to see all finances in one place . However, some find it not super intuitive initially and report issues with automatic categorization, requiring frequent manual adjustments . The dashboard can also feel like marketing ads .
Reliability & Connectivity tieR1R3R16R25
Rocket Money Rocket Money users frequently report issues with bank account connections, stating they break constantly R3R25R30R56. Some experience inaccurate expense tracking R1 and delayed updates . There are also reports of the app only showing a fraction of actual subscriptions R16.
Monarch Monarch users consistently highlight significant problems with account syncing and connectivity. Many accounts frequently disconnect, requiring constant re-authentication . Users report that support often blames Plaid or the financial institution without providing a fix . Incorrect data and holdings are also reported .
Price & Value tieR4R13R28R33
Rocket Money Rocket Money offers a free tier, but many users feel the premium features are not worth the cost R4R13R28R46. There are complaints about predatory charging practices, where the app estimates annual savings and charges a percentage, leading to unexpected high fees R28. Some users are charged for premium memberships they didn't authorize R33.
Monarch Monarch is a paid-only app, and while many users consider it expensive, they generally find it worth the cost for its comprehensive features and effectiveness R62R74R95R108. However, some users feel it's overpriced for the functionality offered or that free alternatives offer similar value . There are also reports of being charged after canceling subscriptions .
Customer Support & Experience tieR4R7R31R54
Rocket Money Rocket Money users report poor customer support, with issues remaining unresolved for months R31 and unresponsiveness . There are also complaints about being unable to cancel subscriptions within the app, leading to frustration R4R7R54.
Monarch Monarch users report slow and unhelpful customer support . Some mention a lack of phone support . Issues include being charged after canceling and difficulties with subscription management outside of Apple's ecosystem . Users are also frustrated by forced app updates that lock them out .
Pick Rocket Money if

you are looking for a free app to get a basic overview of your spending and identify potential subscriptions to cancel, and don't mind occasional bank connectivity issues or ads R5.

Pick Monarch if

you need a comprehensive budgeting tool with rollover capabilities, detailed categorization, and collaborative features, especially if you're a former Mint.com user or manage family finances, and are willing to pay a premium despite potential syncing frustrations R62R74R80.

Evidence note: Both apps have significant complaints about bank connectivity and customer support, making it difficult to declare a clear winner in those dimensions. Rocket Money's free tier introduces friction from users who don't want to pay, which can skew negative reviews regarding value and features. Monarch's reviews are from paying users, who generally self-select as satisfied, but still highlight core issues.

Frequently asked

Does Rocket Money effectively cancel subscriptions?
Rocket Money advertises subscription cancellation, but many users report it is ineffective, fails to find subscriptions, or requires manual input, often leading to frustration R13R16R34R46.
Is Monarch a good replacement for Mint.com?
Yes, many users consider Monarch to be the best replacement for Mint.com, praising its comprehensive budgeting, categorization, and overall user experience R62R80R83R86.
Do these apps have issues with bank account connectivity?
Both Rocket Money and Monarch users frequently report significant and persistent issues with bank account connections, including constant disconnections, inaccurate data, and difficulty linking certain institutions R3R25R30R56.
Is Monarch worth its price?
While Monarch is considered expensive by some, many paying users find its comprehensive features and effectiveness for budgeting and financial tracking to be worth the cost R62R74R95R108.

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. [R5] Rocket Money 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. [R10] Rocket Money 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
  3. [R13] Rocket Money 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
  4. [R16] Rocket Money 1/5 · US Subscriptions: I only joined for subscription. review but it said none. That’s wrong
  5. [R8] Rocket Money 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.
  6. [R12] Rocket Money 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.
  7. [R19] Rocket Money 1/5 · US Clunky: Not helpful.
  8. [R1] Rocket Money 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.
  9. [R3] Rocket Money 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
  10. [R25] Rocket Money 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.
  11. [R4] Rocket Money 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
  12. [R28] Rocket Money 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
  13. [R33] Rocket Money 3/5 · US SCAM: They have charged my card for a premium membership for 6 months and I just noticed today. They did give me a full refund but please watch for any surprise charges to your account.
  14. [R7] Rocket Money 1/5 · US Error: I want to cancel a subscription to ADT just keep getting an error message to try again later
  15. [R31] Rocket Money 1/5 · US No help: I’ve been asking for help to get a money issues solved. And still till this day it’s hasn’t been fix. I’m just told to wait and nothing it’s been three months. And I can’t cancel or resolve the issues so I just have it.
  16. [R54] Rocket Money 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!
  17. [R34] Rocket Money 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?
  18. [R46] Rocket Money 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.
  19. [R62] Monarch 5/5 · US Best budgeting app: I’ve been terrible at keeping up with our transactions and seeing where all our money goes. The categories and roll over ability for each month is flawless. Would definitely recommend. Yes it’s a bit pricey but worth every penny. Quality is fantastic only thing I’d recommend is an offline form to see your budget you have to be connected or have signal to view the app.
  20. [R80] Monarch 5/5 · US The most pleasant app I have been used after mint shut down: Compared to other apps, it does everything I want. A lot of other apps I used has tiny issues, e.g. Fidelity full view or credit carma. They had issues importing one or two of my accounts such as Morgan Stanley Stock Plan or HSBC. But Monarch does all of them right. Feels so good to see all things again.
  21. [R83] Monarch 5/5 · US Look no further: I used to like Mint. Everything else I’ve tried since never satisfied me. There was always things missing or clunky. Until Monarch. It’s literally perfect. I’ve never had a moment where I thought “man it does not do that?” Nope. It does it all and does it in an easy to use and intuitive user interface. Well done. Non reason to look at any other option.
  22. [R86] Monarch 5/5 · US Mint but better: Just like the mint I used to love
  23. [R30] Rocket Money 3/5 · US Navy federal: Rocket money will not let me log into my account with navy federal whatsoever
  24. [R56] Rocket Money 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.
  25. [R74] Monarch 5/5 · US Great for families: My husband got us started on Monarch and at first I was skeptical. Why are we spending money to track our money, but it has really helped us see where we are spending irresponsibly and then make changes. We are saving for a house so knowing where we can cut costs and see our spending habits is a game changer!
  26. [R95] Monarch 5/5 · US Worth Paying For: I’ve tried a bunch of personal finance services, and Monarch is by far the best. I use it every day and am happy to pay the subscription.
  27. [R108] Monarch 5/5 · US Obsessed: Obsessed with Monarch - well worth the money.

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