Editor's Overview:
- The Winner: WalletHub
- All three apps offer a free plan, letting people see their credit score and report, track recurring subscriptions, and manage their household finances.
- WalletHub and Rocket Money give users the ability to share their accounts with others. Experian does not have this feature.
- WalletHub offers multiple ways for users to organize their budget, while Rocket Money offers only one way, and Experian does not have a tool that allows you to make a budget.
- WalletHub and Experian have advanced identity theft protection tools, such as identity theft restoration services and identity theft insurance, unlike Rocket Money.
- WalletHub and Experian offer credit builder tools to help you boost your credit score. Rocket Money doesn't have this type of tool.
- WalletHub helps you say up to date with what's happening by providing investment news right from your account. Rocket Money and Experian do not have this feature.
- WalletHub is the only app among the three that offers a debt payoff plan to help users find the fastest way to get out of debt.
Experian vs. Rocket Money vs. WalletHub: Key Characteristics
| Features | Experian | RocketMoney | WalletHub |
|---|---|---|---|
| Average App Rating | 4.8 | 4.6 | 4.8 |
| Free Plan Available | Yes | Yes | Yes |
| Premium Plan Cost | $24.99/month | $7 - $14 / month | $7.99 per month, billed annually (SAVE 50.0%) |
| Number of Authorized Users | N/A | 1 | 5 |
| Credit Builder | Yes | No | Yes |
| Daily Updates to Scores & Reports | Yes | No | Yes |
| Credit Monitoring | Yes | Yes | Yes |
| Overall Financial Health Score (e.g. WalletScore) | No | No | Yes |
| Budgeting | No | Yes | Yes |
| Spending Tracker | Yes | Yes | Yes |
| Debt Payoff Plan | No | No | Yes |
| Dark Web Monitoring | Yes | No | Yes |
| Identity Theft Restoration/Insurance | Yes | No | Yes |
| Net Worth | No | Yes | Yes |
| Investment Tracker | Yes | Yes | Yes |
| Compatible Devices | Web, Apple, and Android | Web, Apple, and Android | Web, Apple, and Android |
You can learn more about the features these apps offer below. We’ll also list the top app for each category.
Experian vs. Rocket Money vs. WalletHub: Budgeting Tools
Winner: WalletHub
| Features | Experian | RocketMoney | WalletHub |
|---|---|---|---|
| Spending Tracker | Yes | Yes | Yes |
| Budgeting | No | Yes | Yes |
| Customizable Transaction Alerts | No | Yes | Yes |
| Financial Reports | No | Yes | Yes |
| Share Transactions | No | No | Yes |
| Number of Budgeting Methods Supported | 0 | 1 | 5 |
| Subscription Manager | Yes | Yes | Yes |
| Savings Goals | Yes | Yes | Yes |
| Spending Trimmer | No | No | Yes |
| Transaction Validator | No | No | Yes |
| AI-enhanced Transactions | No | No | Yes |
All three apps let you sync your financial accounts so you can automatically track your expenses. In addition, they all provide a subscription manager that allows you to easily track and manage your recurring bills all in one place. However, WalletHub and Rocket Money are the only ones here that give you the ability to make a budget right from your account.
WalletHub has the edge in this category since it also helps you make a debt payoff plan, making it easy to find the fastest and cheapest way out of debt. In addition, WalletHub uses AI to clean up your transaction data to make it simple to understand and lets you share your account with up to five other people, so everyone in your household can have easy access to the budget.
Rocket Money lets you share your account with just one other person but doesn’t provide debt payoff plans or use AI to clean transaction data. Experian doesn’t offer any of these additional features.
Experian vs. Rocket Money vs. WalletHub: Budgeting Methods
Winner: WalletHub
| Features | Experian | RocketMoney | WalletHub |
|---|---|---|---|
| 50/30/20 budgeting | No | No | Yes |
| Envelope budgeting | No | No | Yes |
| Micro envelope budgeting | No | No | Yes |
| Simple budgeting (income/expenses only) | No | No | Yes |
| Pay yourself first budgeting | No | No | Yes |
| Zero-based budgeting | No | No | Yes |
| Rollover Capability | No | No | No |
You do not have the ability to make a budget on Experian, while Rocket Money offers users only one way to organize their budget. In contrast, WalletHub allows you to choose from several different budgeting methods.
WalletHub users can budget using simple budgeting, envelope budgeting, micro-envelope budgeting, the pay-yourself-first strategy, or the 50/30/20 method. They can also do zero-based budgeting by referencing the “Summary” section under the “Budget” tab on their WalletHub account. That is why WalletHub wins this category.
Experian vs. Rocket Money vs. WalletHub: Credit Tools
Winner: WalletHub
| Features | Experian | RocketMoney | WalletHub |
|---|---|---|---|
| Credit Scores | Yes | Yes | Yes |
| Full Credit Reports | Yes | Yes | Yes |
| Daily Updates to Scores & Reports | Yes | No | Yes |
| Credit Builder | Yes | No | Yes |
| Credit Analysis | Yes | Yes | Yes |
| Enhanced Credit Report Insights | No | No | Yes |
| Why My Credit Score Changed | No | No | Yes |
| Credit-Improvement Plan | Yes | No | Yes |
| Credit Score Goals | Yes | No | Yes |
| Credit Score Simulator | Yes | No | Yes |
| Debt Payoff Plan | No | No | Yes |
| Debt Payoff Goals | No | No | Yes |
You can view your credit score and report, get a detailed breakdown of what’s hurting your score, and get credit monitoring services with any of these three apps. Unlike Rocket Money, WalletHub and Experian will also provide you with daily updates to your credit score and report, give you access to a credit score simulator, and let you report on-time rent and utility payments to help you increase your credit score.
WalletHub takes the lead here since it also offers enhanced credit report insights and gives you explanations for credit score changes. Neither Experian nor Rocket Money has these features.
Experian vs. Rocket Money vs. WalletHub: Identity Theft Protection
Winner: WalletHub
| Features | Experian | RocketMoney | WalletHub |
|---|---|---|---|
| Credit Report Monitoring | Yes | Yes | Yes |
| Real-Time Credit Inquiry Alerts | Yes | Yes | Yes |
| Change of Address Alerts | Yes | No | Yes |
| Password Monitoring | Yes | No | Yes |
| Social Security Number Trace Alerts | Yes | No | Yes |
| Credit Lock (with alerts and scheduling) | Yes | No | Yes |
| Identity Theft Restoration | Yes | No | Yes |
| Dark Web Monitoring | Yes | No | Yes |
| $1,000,000 Identity Theft Insurance | Yes | No | Yes |
| Enhanced Loan Monitoring | Yes | No | Yes |
| Lost Wallet Assistance | Yes | No | Yes |
| USPS Address Monitoring | Yes | No | Yes |
| Bank Account Takeover Monitoring | Yes | No | Yes |
| Checking & Savings Account Application Alerts | Yes | No | Yes |
| Criminal Activity Monitoring | Yes | No | Yes |
| OFAC Sanctions List Monitoring | No | No | Yes |
| SMS for Urgent Alerts | Yes | No | Yes |
All three apps offer credit monitoring services that will keep tabs on your credit report and alert you to any suspicious activity. But WalletHub and Experian provide many more features than Rocket Money, such as change-of-address alerts, password monitoring, Social Security number trace alerts, lost wallet assistance, and the ability to lock your credit report.
Both WalletHub and Experian also offer identity theft restoration services and identity theft insurance. WalletHub has the edge in this category since the amount it charges to access these features is much less than what Experian charges.
Experian vs. Rocket Money vs. WalletHub: Investing & Retirement
Winner: WalletHub
| Features | Experian | RocketMoney | WalletHub |
|---|---|---|---|
| Net Worth | No | Yes | Yes |
| Investment Tracker | Yes | Yes | Yes |
| Investing News | No | No | Yes |
| Sync Real Estate Values | No | Yes | Yes |
| Sync Vehicle Values | Yes | No | Yes |
You can sync your investments, such as brokerage and retirement accounts, to see your balances and monitor the performance of your accounts all in one place with any of these three apps. However, only WalletHub and Rocket Money give you the ability to track your net worth. WalletHub leads in this category since you can get a detailed breakdown of your individual investment transactions and see investment news straight from your account. Neither Rocket Money nor Experian has those features.
Experian vs. Rocket Money vs. WalletHub: Additional Features
Winner: WalletHub
| Features | Experian | RocketMoney | WalletHub |
|---|---|---|---|
| Interactive Alerts | No | Yes | Yes |
| Custom Dashboards | No | Yes | Yes |
| Auto Insurance Score | No | No | Yes |
| Financial Timeline | Yes | No | Yes |
| App Store Rating | 4.8 | 4.5 | 4.8 |
| Google Play Rating | 4.7 | 4.6 | 4.7 |
| Details Loaded From Credit Report | Yes | Yes | Yes |
| Customer Support (like email/live chat/etc) | Phone & Chat Support | Email & Chat Support |
Unlike Experian, both WalletHub and Rocket Money provide interactive alerts and let you customize your dashboard to your liking. However, WalletHub offers a lot more features, such as a financial timeline that summarizes important alerts and access to an auto insurance score and a WalletScore. This gives WalletHub the top spot in this category.
WalletHub experts are widely quoted. Contact our media team to schedule an interview.