Rocket Money vs. Mint vs. WalletHub

Note: Given that Mint has ceased operations and Credit Karma has been positioned as a replacement, we will compare the features that are currently available on Credit Karma in place of Mint. Credit Karma does not have the same features Mint once had, such as the ability to set savings goals and create a budget. However, Credit Karma does allow you to view your transactions by category and get monthly insights on your spending.

Rocket Money vs. Mint / Credit Karma vs. WalletHub: Key Characteristics

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Below, we’ll take a closer look at some of the key differences between the three apps. We’ll also list which app comes out on top for each category.

Rocket Money vs. Mint / Credit Karma vs. WalletHub: Cost

Winner: WalletHub

All three apps offer free plans. WalletHub’s free account offers users five different ways to organize their budget, debt payoff plans, the ability to import transactions, and a financial timeline so they can view a summary of important financial alerts, among other things. Rocket Money’s free account allows users to sync their financial accounts for automatic tracking, get access to Rocket Money’s subscription manager, and get alerts for when their checking account balance is too low. Credit Karma’s account lets users auto sync their financial accounts for automatic tracking, but users cannot make a budget or track goals.

WalletHub is very transparent with the pricing of its premium plan, starting the plan at just $3.99 per month for the first year and charging $7.99 per month after that (billed annually). Rocket Money’s premium pricing is not very transparent, but users reportedly pay between $6 and $12 per month. Credit Karma does not offer a premium account with advanced budgeting features. The budgeting features it does have are very limited compared to WalletHub and Rocket Money. WalletHub wins this category due to the features it offers and the lack of pricing transparency from Rocket Money.

Rocket Money vs. Mint / Credit Karma vs. WalletHub: Automatic Bank Sync

Winner: WalletHub

WalletHub, Rocket Money, and Credit Karma all allow you to sync several different types of financial accounts, such as bank accounts, credit cards, and investments, so you can easily track your finances. WalletHub and Credit Karma both automatically load accounts from your credit report, so you don’t have to add them in manually.

WalletHub wins this category since you can use the information to make a budget on your account, while Credit Karma does not have a feature that allows you to make a budget. Rocket Money doesn’t load accounts from your credit report automatically.

Rocket Money vs. Mint / Credit Karma vs. WalletHub: Debt Payoff Plans

Winner: WalletHub

WalletHub and Credit Karma both offer debt payoff plans to help you find the cheapest and fastest way to become debt free. These plans let you set a goal for when you want to pay off the debt, and you can see how much you will need to pay monthly (including interest) to accomplish that goal. Even though both WalletHub and Credit Karma offer their debt payment plans for free, WalletHub wins this category since its tool automatically prefills your debt information from your credit report.

Rocket Money vs. Mint / Credit Karma vs. WalletHub: Account Sharing

Winner: WalletHub

Both WalletHub and Rockey Money offer account sharing, which allows you to share your account with other people. This can help you manage your household finances better since you can get input from others. These apps also give everyone separate logins.

While Rocket Money only lets you share your account with one other person, WalletHub allows you to share your account with up to five other people. This is why WalletHub tops this category. Credit Karma does not offer an account sharing feature.

Rocket Money vs. Mint / Credit Karma vs. WalletHub: Budgeting Templates

Winner: WalletHub

Users on Rocket Money can only budget one way, while WalletHub offers users five different budgeting methods, letting them budget with their total income and expenses only or using the 50/30/20 rule, pay-yourself-first budgeting, envelope budgeting or micro-envelope budgeting. Credit Karma does not offer a feature that allows you to make a budget.

WalletHub wins this category because it gives you the most control over the structure of your budget.

Rocket Money vs. Mint / Credit Karma vs. WalletHub: Payment Validator

Winner: WalletHub

WalletHub is the only app among the three that offers a payment validator feature, allowing you to make sure tips are accounted for and you are not overcharged after you leave a restaurant or bar, for example. The feature will alert you if the amount charged on your bill doesn’t match your expected total.

Rocket Money vs. Mint / Credit Karma vs. WalletHub: Customer Support

Winner: Rocket Money

Both Rocket Money and Credit Karma offer chat support. However, Rocket Money takes the slight lead here since it also offers email support.

Rocket Money vs. Mint / Credit Karma vs. WalletHub: Non-Budgeting Features

Winner: WalletHub & Credit Karma

WalletHub and Credit Karma both offer many non-budgeting features, such as access to your credit score and report, net worth tracking, and identity monitoring – all at no cost to you since these features are included in the free plan. WalletHub also gives you a WalletScore, which tracks your overall financial health. On the other hand, Credit Karma has Credit Karma Money, which offers banking services. That is why the two apps tie in this category.

Rocket Money gives you access to some non-budgeting tools like your credit score and credit monitoring, but it does not provide as many features as WalletHub and Credit Karma.