App comparison
Rocket Money vs Mint: Which Should You Use in 2026?
Short version: you cannot use Mint anymore. Here is what happened, how Rocket Money stacks up against what Mint used to do, and the right replacement for each job Mint handled.
Quick answer: Mint shut down on March 23, 2024, so Rocket Money wins this matchup by forfeit. But Rocket Money is not a Mint clone. It replaces some of what Mint did (spend tracking), adds things Mint never had (subscription cancellation, bill negotiation), and skips others entirely (a free price tag, and any real debt payoff help).
If you are searching this comparison in 2026, you are probably a former Mint user who never fully replaced it, or you are seeing Rocket Money ads and wondering if it is the successor. The useful question is not which app wins. It is which job you actually used Mint for, because each job now has a different best answer.
What happened to Mint
Intuit closed Mint in March 2024 and pointed its users at Credit Karma, which Intuit also owns. Credit Karma kept pieces of the experience (account linking, a spending view), but it is a credit-score product at heart, monetized by recommending financial products. The full Mint dashboard, budgets, and trends never made the trip.
The shutdown is also a useful lesson when picking a replacement: Mint was free because ads and credit card offers paid for it, and when that model stopped justifying the product, it died. Every app in this space now either charges a subscription or monetizes you some other way. Knowing which one you are signing up for is half the decision.
Rocket Money vs Mint, feature by feature
| Feature | Rocket Money (2026) | Mint (as it was) |
|---|---|---|
| Status | Active | Shut down March 2024 |
| Spend tracking | Yes, via linked accounts | Yes, its core feature |
| Subscription cancellation | Yes, with Premium | No |
| Bill negotiation | Yes, for 35-60% of first-year savings | No |
| Budgets | Custom budgets in Premium | Yes, free |
| Price | Free tier; Premium ~$7-$14/mo sliding scale | Free, ad-supported |
| Bank linking | Required for core features | Required |
| Debt payoff strategy | No snowball or avalanche logic | Balances on a dashboard, no strategy |
Rocket Money features and pricing change; verify current details on rocketmoney.com before subscribing.
The real question: which Mint job are you replacing?
You mainly watched spending and net worth
Rocket Money covers the basics; full-dashboard apps like Monarch Money or Copilot go deeper. All of them charge a subscription and run on bank linking, just like Mint did.
You want subscriptions found and bills lowered
This is Rocket Money’s home turf and the best reason to choose it. Just know the costs: Premium for cancellation features, and 35-60% of the first year’s savings on any bill they negotiate down.
You budgeted every dollar
YNAB or EveryDollar are the method-driven picks. See our breakdown of YNAB vs EveryDollar for debt payoff if the debt is part of the goal.
You were watching debt balances, hoping they would fall
This is the job Mint never actually did, and Rocket Money does not either. A payoff planner turns balances into a strategy: which debt first, how much to send, and when you will be done. That is what Debt Driver is built for, with no bank linking at all.
Disclosure: Debt Driver is our product, and it only competes in that last lane. If you want subscriptions canceled, Rocket Money is genuinely the better tool, and plenty of people use both: Rocket Money frees up the cash, Debt Driver aims it at the right balance. The full head-to-head is at Debt Driver vs Rocket Money, and former Mint users can see Mint alternatives for debt payoff.
Mint showed the debt. This is the plan.
Enter your balances and APRs (no bank linking) and Debt Driver builds your payoff order, debt-free date, and weekly action items in about two minutes.
Get My Personalized Plan →Related reading: best debt payoff apps in 2026, YNAB vs EveryDollar for debt payoff, debt payoff apps that don't link to your bank account, Tally alternatives. See pricing.
Frequently asked questions
Is Mint still available in 2026?
No. Intuit shut Mint down on March 23, 2024 and migrated users into Credit Karma, which Intuit also owns. Credit Karma kept some features like account linking and spending review, but it is a different product centered on credit scores and financial product offers, not a full Mint replacement.
Is Rocket Money a good replacement for Mint?
Partially. Rocket Money covers spend tracking and account linking like Mint did, and adds subscription cancellation and bill negotiation, which Mint never had. What it does not replace is the free price: Mint was ad-supported, while Rocket Money’s best features live in Premium, a sliding-scale subscription typically in the $7 to $14 a month range.
Is Rocket Money free?
There is a free tier with account linking, balance alerts, and subscription discovery. Cancellation-on-your-behalf, custom budgets, and most of the popular features require Premium, which uses a pay-what-you-think-is-fair sliding scale, typically $7 to $14 a month. Bill negotiation is charged separately: if they lower a bill, they keep 35 to 60 percent of the first year’s savings.
What happened to Mint users after the shutdown?
Intuit steered them to Credit Karma, which absorbed account linking and basic spending features. Many users moved elsewhere instead: Monarch Money and Copilot for full budgeting dashboards, YNAB for zero-based budgeting, Rocket Money for subscriptions and bills, and focused tools like Debt Driver for debt payoff.
Does Rocket Money help with debt payoff?
Not as a strategy. Rocket Money can free up cash by canceling subscriptions and negotiating bills, which helps fund debt payments. But it has no snowball or avalanche logic, no recommended payoff order, and no debt-free date forecast. If the debt is your main goal, pair the freed-up cash with a dedicated payoff plan.
What is the best app for paying off debt after Mint?
A dedicated payoff planner. Debt Driver takes the balances, APRs, and minimums you enter (no bank linking), compares snowball and avalanche on your real numbers, recommends the order, and gives you a debt-free date with weekly action items. Mint only ever showed debt balances on a dashboard; it never had a payoff strategy.
Mint is a registered trademark of Intuit Inc. Rocket Money is a product of Rocket Companies. Debt Driver is not affiliated with either company. This page is editorial comparison from Debt Driver's perspective; features and pricing change, so re-check each product's site before you buy. Debt Driver is a debt payoff planning app, not a lender, debt-settlement company, or credit-counseling agency. Nothing here is financial, tax, or legal advice.