Rocket Money vs You Need a Budget (YNAB)
Rocket Money vs You Need a Budget (YNAB)
Rocket Money vs You Need a Budget (YNAB)
When comparing the best personal finance apps in 2026, most tools are built for a specific type of person: You Need a Budget (YNAB) is for manual budgeters who prefer to “give every dollar a job.” But, Rocket Money is the everyday person's finance app: it's the go-to choice that actually works, whether you're a money pro or just getting started. Rocket Money also lowers bills, cancels subscriptions, and automates savings on your behalf. See why Rocket Money is the right choice for you.
When comparing the best personal finance apps in 2026, most tools are built for a specific type of person: You Need a Budget (YNAB) is for manual budgeters who prefer to “give every dollar a job.” But, Rocket Money is the everyday person's finance app: it's the go-to choice that actually works, whether you're a money pro or just getting started. Rocket Money also lowers bills, cancels subscriptions, and automates savings on your behalf. See why Rocket Money is the right choice for you.
Comparing Rocket Money and You Need a Budget (YNAB)
Comparing Rocket Money and You Need a Budget (YNAB)
You Need a Budget
Detects and cancels subscriptions
Detects and cancels subscriptions
Detects and cancels subscriptions
Shows you all your subscriptions in one place and cancels the ones you don’t want on your behalf.
Only supports repeating transactions
Only supports repeating transactions
Only supports repeating transactions
Supports scheduled or repeating transactions so users can plan for recurring bills, but there is no automatic detection or in-app cancellation. Everything must be budgeted manually.
Negotiates better rates on bills
Negotiates better rates on bills
Negotiates better rates on bills
Identifies bills eligible for lower rates and negotiates with providers on your behalf.
Does not lower bills
Does not lower bills
Does not lower bills
No bill negotiation offered.
Automatic paycheck detection
Automatic paycheck detection
Automatic paycheck detection
Rocket Money automatically detects your paychecks and incoming deposits.
No automatic paycheck detection.
No automatic paycheck detection.
No automatic paycheck detection.
No automatic paycheck detection.
Simple, supportive budgeting
Simple, supportive budgeting
Simple, supportive budgeting
The best app, in our opinion, for those still building financial confidence, with budgets suggested based on past spending. Automatically separates recurring bills from discretionary spend. Supports split transactions; custom budgets and categories; transaction rules for automatically categorizing based on merchant/amount/name.
Complicated budgeting system
Complicated budgeting system
Complicated budgeting system
Uses a strict zero-based budgeting system where every dollar is assigned a job. Effective for disciplined planners, but requires ongoing manual work and time.
Safe-to-spend insights
Safe-to-spend insights
Safe-to-spend insights that show you what you what is safe to spend before your next payday.
No safe-to-spend insights
No safe-to-spend insights
No safe-to-spend insights
Does not offer a safe-to-spend amount for their members.
Watchlist for easy tracking
Watchlist for easy tracking
Watchlist for easy tracking
Tracks just the spending categories or merchants you care about—like coffee runs or Target trips—without committing to a full budget.
No ability to watch one category
No ability to watch one category
No ability to watch one category
Lacks a simple way to monitor specific spending habits without setting up a complete budget.
Automated savings
Automated savings
Automated savings
Includes automated savings transfers into a secure FDIC-insured savings partner, helping users build emergency funds and hit goals without thinking about it.
Manual transfers
Manual transfers
Manual transfers
Goals are embedded in categories. Effective for planners, but fully manual.
Robust credit monitoring
Robust credit monitoring
Robust credit monitoring
Offers credit score monitoring and full Experian reports.
No credit score monitoring
No credit score monitoring
No credit score monitoring
Does not calculate credit score.
Pricing with options
Pricing with options
Pricing with options
Offers a free plan. Premium (pay-what-you-want, $7–$14/month) unlocks the full suite. A 7-day free trial is available.
Lack of pricing options
Lack of pricing options
Lack of pricing options
Outside promotional opportunities, no free plan; $12.99/month with some advanced planning features.
Our features
Our features
Take control of your subscriptions
Track your subscriptions in one place. We can help you cancel the ones you don't use and alert you when prices increase.
Track and understand your credit score
Access your complete credit report and history. Get alerted to important changes that impact your score.
Get better rates on your bills
Our app identifies bills that we can lower and negotiate on your behalf. Stop overpaying for internet and wireless services and start saving today.
Create a budget that works
Set up a budget that automatically monitors your spending keeps you on track towards your goals.
Track your net worth
Get a full picture of your assets and debt in one place. Use this information to improve and track your financial journey over time.
Put your savings on autopilot
Rocket Money learns your spending habits and automatically saves the right amount at the right time.
Take control of your subscriptions
Track your subscriptions in one place. We can help you cancel the ones you don't use and alert you when prices increase.
Track and understand your credit score
Access your complete credit report and history. Get alerted to important changes that impact your score.
Get better rates on your bills
Our app identifies bills that we can lower and negotiate on your behalf. Stop overpaying for internet and wireless services and start saving today.
Create a budget that works
Set up a budget that automatically monitors your spending keeps you on track towards your goals.
Track your net worth
Get a full picture of your assets and debt in one place. Use this information to improve and track your financial journey over time.
Put your savings on autopilot
Rocket Money learns your spending habits and automatically saves the right amount at the right time.
Take control of your subscriptions
Track your subscriptions in one place. We can help you cancel the ones you don't use and alert you when prices increase.
Track and understand your credit score
Access your complete credit report and history. Get alerted to important changes that impact your score.
Get better rates on your bills
Our app identifies bills that we can lower and negotiate on your behalf. Stop overpaying for internet and wireless services and start saving today.
Create a budget that works
Set up a budget that automatically monitors your spending keeps you on track towards your goals.
Track your net worth
Get a full picture of your assets and debt in one place. Use this information to improve and track your financial journey over time.
Put your savings on autopilot
Rocket Money learns your spending habits and automatically saves the right amount at the right time.
Join 10+ Million Members
From our members:
Why they recommend
Rocket Money
From our members:
Why they recommend
Rocket Money
Read our reviews to see why people love Rocket Money, and why now is the time to make the switch from Mint.
Read our reviews to see why people love Rocket Money, and why now is the time to make the switch from Mint.
Rocket Money saved me over $200 in the first week alone! I realized I still had a subscription that I thought had been canceled, and when I contacted the merchant they refunded me. 🎉
Jessica O.
Quintessential money management app. Nothing but high remarks from me. The app has only gotten better from when I first used it. Cannot recommend it enough.
Casey R.
I'm an accountant/finance person and didn't think I would have much use for this app. I was wrong. The app keeps track of all my expenses, tells me when there is a difference in bills, helps me lower bills that compared to other people are too high. It does all of that and more in a simple to understand dashboard.
Joel N.
Used mint since it launched and really just wanted a basic tracking capability. Rocket Money is more than an alternative to the retired Mint... It's better.
Mika A.
Love this app! So useful for me since I'm so terrible with money. Keeps things easy now that my husband and I share an account.
Whitney B.
This is kind of wild. Also, I was wrong. Rocket Money is significantly better than mint.
Peter Z.
The app is easy to set up and it keeps track of all my money. I love it. I never overdraw anymore.
Stevie D.
We have created a perhaps needlessly complex financial circumstance with multiple credit cards and accounts but Rocket Money has given us the wherewithal to stay on top of the situation. Highly recommended!
Mike G.
This app has helped me so much with budgeting and everything to do with my money!
Stephen H.
Rocket Money saved me over $200 in the first week alone! I realized I still had a subscription that I thought had been canceled, and when I contacted the merchant they refunded me. 🎉
Jessica O.
Quintessential money management app. Nothing but high remarks from me. The app has only gotten better from when I first used it. Cannot recommend it enough.
Casey R.
I'm an accountant/finance person and didn't think I would have much use for this app. I was wrong. The app keeps track of all my expenses, tells me when there is a difference in bills, helps me lower bills that compared to other people are too high. It does all of that and more in a simple to understand dashboard.
Joel N.
Used mint since it launched and really just wanted a basic tracking capability. Rocket Money is more than an alternative to the retired Mint... It's better.
Mika A.
Love this app! So useful for me since I'm so terrible with money. Keeps things easy now that my husband and I share an account.
Whitney B.
This is kind of wild. Also, I was wrong. Rocket Money is significantly better than mint.
Peter Z.
The app is easy to set up and it keeps track of all my money. I love it. I never overdraw anymore.
Stevie D.
We have created a perhaps needlessly complex financial circumstance with multiple credit cards and accounts but Rocket Money has given us the wherewithal to stay on top of the situation. Highly recommended!
Mike G.
This app has helped me so much with budgeting and everything to do with my money!
Stephen H.
Rocket Money saved me over $200 in the first week alone! I realized I still had a subscription that I thought had been canceled, and when I contacted the merchant they refunded me. 🎉
Jessica O.
Quintessential money management app. Nothing but high remarks from me. The app has only gotten better from when I first used it. Cannot recommend it enough.
Casey R.
I'm an accountant/finance person and didn't think I would have much use for this app. I was wrong. The app keeps track of all my expenses, tells me when there is a difference in bills, helps me lower bills that compared to other people are too high. It does all of that and more in a simple to understand dashboard.
Joel N.
Used mint since it launched and really just wanted a basic tracking capability. Rocket Money is more than an alternative to the retired Mint... It's better.
Mika A.
Love this app! So useful for me since I'm so terrible with money. Keeps things easy now that my husband and I share an account.
Whitney B.
This is kind of wild. Also, I was wrong. Rocket Money is significantly better than mint.
Peter Z.
The app is easy to set up and it keeps track of all my money. I love it. I never overdraw anymore.
Stevie D.
We have created a perhaps needlessly complex financial circumstance with multiple credit cards and accounts but Rocket Money has given us the wherewithal to stay on top of the situation. Highly recommended!
Mike G.
This app has helped me so much with budgeting and everything to do with my money!
Stephen H.
Features
Support
Do Not Sell or Share My Personal Information
© 2015-2025 Rocket Money All Rights Reserved
We don’t accept cash, crypto, tacos, or private jets in exchange for your personal information. Some states (hi, California) have their own rules, so check out our Privacy Policy for the full scoop.
Banking services provided by nbkc bank, member FDIC
* Based on Rocket Mortgage data in comparison to public data records.
Rocket Mortgage, LLC, Rocket Homes Real Estate LLC, Rocket Card, LLC, RockLoans Marketplace LLC (doing business as Rocket Loans) and Rocket Money, Inc. are separate operating subsidiaries of Rocket, LLC. Each company is a separate legal entity operated and managed through its own management and governance structure. Rocket Companies, Inc. (NYSE: RKT) is the sole managing member of Rocket, LLC.
Apple and the Apple logo are trademarks of Apple Inc. registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Wear OS by Google and Google Play are trademarks of Google LLC.
Features
Support
Do Not Sell or Share My Personal Information
© 2015-2025 Rocket Money All Rights Reserved
We don’t accept cash, crypto, tacos, or private jets in exchange for your personal information. Some states (hi, California) have their own rules, so check out our Privacy Policy for the full scoop.
Banking services provided by nbkc bank, member FDIC
* Based on Rocket Mortgage data in comparison to public data records.
Rocket Mortgage, LLC, Rocket Homes Real Estate LLC, Rocket Card, LLC, RockLoans Marketplace LLC (doing business as Rocket Loans) and Rocket Money, Inc. are separate operating subsidiaries of Rocket, LLC. Each company is a separate legal entity operated and managed through its own management and governance structure. Rocket Companies, Inc. (NYSE: RKT) is the sole managing member of Rocket, LLC.
Apple and the Apple logo are trademarks of Apple Inc. registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Wear OS by Google and Google Play are trademarks of Google LLC.
Features
Support
Do Not Sell or Share My Personal Information
© 2015-2025 Rocket Money All Rights Reserved
We don’t accept cash, crypto, tacos, or private jets in exchange for your personal information. Some states (hi, California) have their own rules, so check out our Privacy Policy for the full scoop.
Banking services provided by nbkc bank, member FDIC
* Based on Rocket Mortgage data in comparison to public data records.
Rocket Mortgage, LLC, Rocket Homes Real Estate LLC, Rocket Card, LLC, RockLoans Marketplace LLC (doing business as Rocket Loans) and Rocket Money, Inc. are separate operating subsidiaries of Rocket, LLC. Each company is a separate legal entity operated and managed through its own management and governance structure. Rocket Companies, Inc. (NYSE: RKT) is the sole managing member of Rocket, LLC.
Apple and the Apple logo are trademarks of Apple Inc. registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Wear OS by Google and Google Play are trademarks of Google LLC.