Just started using the app and loving it so far! It's already helped so much. After having a baby we had completely lost track of our spending. Immediately after subscribing I found a fraudulent subscription that Lane Bryant had signed me up for @$17/month. Thanks to rocket I found it early enough for a full refund. I chose to pay $10 a month for it. I like the choose what to pay feature, I figure that means someone like me with more income is helping to offset someone who can only afford to pay $5. This feature can seem awkward I guess, but I view it as a way that the service can be offered to a larger range of users based on customer decisions. So overall I like this payment model. By far the most helpful feature is that it can accurately track Credit Card and Debit card purchases. We have a couple of CC's we use to pay bills and we only use CC's for online payments, making it easy to lose site of the balance and what is left in your budget. This is all automatic with Rocket. I also like the self-defined rules and categories. We categorize all cash withdrawals as "Family Care" for example, since cash is pretty much only used for the baby sitter. We also split out some of the larger ticket spending habits. *Coughs in nerd* like the TCG budget which had grown out of control. Since April 2024 our balance dropped form $7K to only $500. Even though we only started Rocket mid- February 2025, we already increased our balance to $800 and I'm confident we will meet our goal of $2000 in March. We are also considering trying the bill decrease service. The only ding I have against the app is that you can only set goals if you open non-interest-bearing rocket savings accounts. I don't want a bunch of accounts, especially for short term goals like saving for a vacation or home remodel. I also prefer to keep my 3-months living expenses in an interest-bearing account, since that's a long-term savings I should rarely have to use. There are many online-only savings accounts from BMO Alto, Discover, Chase, etc. offering 3-4% interest. $12K of living expenses left in a 3% account will grow to over $13,506 in 5 years. That's a lot of money to leave on the table, especially for a rainy day fund.
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