SmartFolio vs Rocket Money
Which is better in 2026? Five scores, side by side.
SmartFolio is the better app overall, scoring 8.5 to 7.9. SmartFolio wins on 3 of the 5 scores, Rocket Money on 2.
Dividend and long-term investors who want a private, free portfolio view
People who suspect they are paying for subscriptions they no longer use
Score by score
The details
| Feature | SmartFolio | Rocket Money |
|---|---|---|
| Category | Money & Investing | Money & Investing |
| Category rank | #6 of 10 | #10 of 10 |
| Developer | The Big Head | Rocket Money, Inc. |
| Pricing | Free | Free + paid plans |
| Usable for free | Yes | Yes |
| iPhone & iPad | ✓ | ✓ |
| Android | — | ✓ |
| Web | — | ✓ |
Strengths and weaknesses
SmartFolio
- Free with no ads, no account and no in-app purchases
- Your data never leaves your iPhone or iPad
- Clear history of every trade, even after you sell
- No automatic broker sync, so updates mean re-importing
- iPhone and iPad only
SmartFolio is a portfolio tracker that keeps everything on your device. You import trade history from a long list of brokers or a spreadsheet, then see every buy, sale and dividend per holding, time-weighted returns and expected income. There is no account and no bank connection, which is great for privacy but means imports are manual. For dividend investors who want a free, private overview, it is a strong pick.
Full SmartFolio review
Rocket Money
- Quickly surfaces forgotten subscriptions
- Cancellation concierge saves tedious phone calls
- Choose-your-price Premium plan
- Bill negotiation fee is a cut of your savings
- Frequent upsells and limited free budgeting
Rocket Money is best at one job: finding the subscriptions and recurring bills you forgot about. It can cancel some for you, negotiate certain bills, and handle basic budgeting and credit monitoring. The free tier is limited, Premium uses a choose-your-price model, and bill negotiation takes a share of what you save. Check that fee before you agree to it.
Full Rocket Money review
