Rocket Money vs. NerdWallet vs. WalletHub

Rocket Money vs. NerdWallet vs. WalletHub: Key Characteristics

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Below, you’ll get a more detailed breakdown of the differences between these three apps, and we’ll highlight the winner in each category.

Rocket Money vs. NerdWallet vs. WalletHub: Cost

Winner: WalletHub

All three apps offer a free plan. WalletHub’s free account lets users choose between five different budget strategies/templates, gives them the ability to create an optimized debt payoff plan, and provides a timeline of important financial alerts, among other features.

Rocket Money’s free account allows users to sync their financial accounts for automatic tracking, get access to the app’s subscription manager, and receive alerts when their checking accounts fall below a safe balance. A free account with NerdWallet offers the ability to link financial accounts, view upcoming bills and subscriptions and track net worth.

If you want a paid plan with advanced budgeting features, WalletHub’s premium plan starts at $47.90 for the first year ($95.90 after that). Rocket Money’s premium pricing is not very transparent, but users may pay between $6 to $12 per month, according to reports. NerdWallet’s premium subscription costs $49 per year. Due to its transparent pricing and the fact that you can try out a premium subscription for less, WalletHub wins this category.

Rocket Money vs. NerdWallet vs. WalletHub: Automatic Bank Sync

Winner: WalletHub & NerdWallet

All three apps allow you to sync various types of financial accounts, such as bank accounts, credit cards, and investments for automatic tracking. WalletHub and NerdWallet tie in this matchup since they both automatically load accounts from your credit report onto your profile, so you don’t have to add them in manually. Rocket Money does not have this feature.

Rocket Money vs. NerdWallet vs. WalletHub: Debt Payoff Plans

Winner: WalletHub

Among the three apps, WalletHub is the only one to offer personalized debt payoff plans to help you find the cheapest and fastest way to get rid of your debt. This is why WalletHub comes out on top here. This feature lets you set a goal for when you want to pay off the debt. Then the feature will show you how much you will need to pay monthly to accomplish that goal, along with the interest you’ll save compared to just making the minimum payments on your debt.

Since debt payoff plans are included in a basic WalletHub account, you don’t need to pay to access this feature. NerdWallet and Rocket Money do not offer this feature.

Rocket Money vs. NerdWallet vs. WalletHub: Account Sharing

Winner: WalletHub

Both WalletHub and Rocket Money offer an account-sharing feature. This allows you to share your account with your spouse or other family members, so you easily manage your household finances together. Both apps will also give everyone on your account their own separate login.

But Rocket Money only lets you share your account with one other person, while WalletHub allows you to add up to five other people on your account. That is why WalletHub wins this category.

Rocket Money vs. NerdWallet vs. WalletHub: Budgeting Templates

Winner: WalletHub

Rocket Money and NerdWallet offer users only one way to organize their budget, while WalletHub offers users five different budgeting strategies/templates to choose from. WalletHub users can budget with their total income and expenses only or budget using strategies like the pay-yourself-first method, the 50/30/20 rule, envelope budgeting, or micro-envelope budgeting. That is why WalletHub tops this category.

Rocket Money vs. NerdWallet vs. WalletHub: Customer Support

Winner: NerdWallet & Rocket Money

All three budget apps offer customer support via email. However, both NerdWallet and Rocket Money also offer chat support, so they tie for the lead in this category.

Rocket Money vs. NerdWallet vs. WalletHub: Non-Budgeting Features

Winner: WalletHub

WalletHub give users access to many non-budgeting features, such as their credit score and credit report, a credit score simulator, their auto insurance score, analysis of their net worth, and more. Many of these features are also included in a free WalletHub account. That is why WalletHub comes out on top here.

Both NerdWallet and Rocket Money offer things like access to your credit score and report, credit analysis and credit monitoring. But they don’t offer other features, such as identity monitoring or identity theft insurance, like WalletHub does.