One feature I would LOVE to see is an AI-powered budgeting assistant built directly into Rocket Money.

Right now, I find myself looking at my finances in Rocket Money and then using ChatGPT separately to help me think through questions like:

Can I afford this purchase right now?

Should I pay for this in full or finance it?

I have several extra expenses coming up over the next 1–2 months. How should I prioritize them?

Based on my upcoming bills and expected income, how much can I safely spend?

Where could I adjust my budget this month to make room for an unexpected expense?

An AI assistant inside Rocket Money could be incredibly useful because it could securely work with the financial information Rocket Money already has — transactions, recurring bills, income, budgets, subscriptions, spending patterns, etc. — rather than requiring users to manually explain all of that to an outside AI tool.

I'd love to be able to have an ongoing conversation with a "budget agent" that understands my actual finances and helps me plan for both everyday spending and the unexpected things that come up in real life.

I think this could take Rocket Money from being an app that helps me see and track my finances to one that actively helps me plan and make decisions with them.

Please consider it! And if this becomes a feature someday, I'll happily accept credit for the idea. 🤣😉

Would be awesome to have some spending advice from an AI that helps reduce spending or general advice on bottlenecks and good things to know.

I can ask an agent, how much did I spend on gas last year and it should give you a value

I work with a lot of digital tools that now include built-in AI that analyze data for better decisionmaking. I'm talking about GA4, Shopify, Mailchimp, etc. All of these tools now have built-in AI that I can ask narratively what I'm looking for, it analyzes the data, and gives me what I want (without me having to be a data scientist to figure it out).

This is the ONLY feature I'm interested in for a personal finance/budgeting app. I want a built in AI for RocketMoney that will analyze my spending and work with me to spend better, save better, etc. I want to be able to tell it what I'm trying to do, what I'm thinking about, what I'm worried about, etc. and it can help me talk it through.

I’d love to see Rocket Money integrate an AI-powered personal savings assistant that analyzes a user’s spending habits and proactively recommends specific actions to help them save money.

Instead of simply showing users where their money is going, the AI could look at their financial patterns and identify opportunities to reduce unnecessary spending.

For example, the AI could:

Identify unused or rarely used subscriptions and recommend canceling them.

Detect duplicate or overlapping subscriptions and suggest which one to keep.

Analyze spending habits and identify areas where the user is consistently overspending.

Find recurring expenses that have increased and alert the user to price increases.

Suggest cheaper alternatives for recurring services when appropriate.

Identify unnecessary recurring charges that the user may have forgotten about.

Set personalized savings goals based on the user's actual spending behavior.

Give users specific action items, rather than just presenting charts and statistics.

For example, instead of saying:

“You spent $450 on restaurants this month.”

The AI could say:

“You spent $120 more on restaurants this month than your 3-month average. If you reduce restaurant spending by 20%, you could save approximately $90 per month.”

Or:

“You have 3 streaming subscriptions that you haven't used in the last 60 days. Canceling them could save you approximately $42/month, or $504/year.”

The key idea is that Rocket Money should move from being primarily a financial tracking tool to becoming an AI financial assistant that actively helps users save money.

A feature like this could provide users with a personalized “Money Savings Report” every month showing:

Potential savings this month: $187

Cancel unused subscriptions: $42

Reduce restaurant spending: $75

Lower recurring bills: $40

Other spending opportunities: $30

Then the user could review and approve each recommended action.

I think this would make Rocket Money significantly more valuable because the AI wouldn't just tell users what happened to their money — it would tell them what they can do next to keep more of it.

Wish there was an Ai agent that knows my finances and I can talk about with for suggestions and how I can be better from conversational advice.

RocketMoney should have a tool that helps a user sift through all the transactions and really get to the heart of spending. Budgeting and bucketing isn't enough. People want to know what they are spending on. it would also be good if could sort by family member and family related expenses.

Enable user to say things like "Show me all Uber, Lyft, and rental car transactions, give me YTD total and average spend by month"