I’d like the ability to set up subcategories. For example- I currently track my weekly spending by creating a budget called Week 1, week 2, week 3 etc…and I put all of my discretionary/variable spending such as groceries, eating out, gas etc in that category. I’d like the ability to also put in a subcategory (grocery, eating out) in that transaction so that I can see my weekly spending on groceries for example. Otherwise it just adds everything up for the week without separating how much I spent on each category.

can you make it so we can set our own categories? Like I want to separate gas from loan payment and you do not have a way to set up additional buckets.

Every time I’m on the app I want to see the most basic/simple breakdown of where my money is being spent. Broad categories like my home or car have too many categories to see simply. For example financial experts generally recommend 10-15% of your income should be the most you spend on vehicles and if I try to figure that out on the app I’m looking through categories like shopping, auto and transport, Bills, and software and tech. It would be nice whether I categorize it or if even rocket money automatically made broad categories.

Every time I’m on the app I want to see the most basic/simple breakdown of where my money is being spent. Broad categories like my home or car have too many categories to look through. For example financial experts generally recommend 10-15% of your income should be the most you spend on vehicles and if I try to figure that out on the app I’m Either combining categories like shopping, Bills, and software and tech with auto and transport or I have to go through and carefully look at each transaction and add them together. It would be nice whether I categorize it or if even rocket money automatically made broad categories. I’m not asking to remove categories it would be nice to see a broad one for my car then within that category see I spent this much on insurance bills, this much on parts at an auto store

I need to be able to label custom Categories as "Bills", so I can keep track of specific types of bills, like Loans, separately from Utilities, but still count them as "Bills" and not "Spending".

A toggle similar to how the "Ignored" and "Tax Deductible" toggles would work great.

(Hopefully at the same time, you can fix the issues I have encountered where editing rules to my Loans to turn them into Bills again do not actually change their category.)

It would be good to be able to add subcategories. For example, under bills and basics, it would be nice to be able to see all the gas bills total, the electric bill total, water bill total, that way you can see if a specific bill is changing

I’m a paid subscriber and wanted to highlight a major flaw in the budgeting feature that makes it unusable unless you work around it.

Right now, Rocket Money only includes a transaction in the “Bills & Utilities” section of the budget if that transaction is categorized as “Bills & Utilities.”

The issue is: many recurring, fixed expenses—like rent (usually under Home & Garden), car notes (Loan Repayment), or insurance (Auto & Transport)—are recognized by the app as recurring bills in the Recurring tab, but they’re still excluded from the budget’s “Bills & Utilities” total unless I manually recategorize them into “Bills & Utilities.”

That creates a huge mismatch:

My Spending Breakdown is accurate (because I’m using the right categories)

But my Budget View is broken—most of my actual bills show up in “Everything Else,” which makes it seem like I’m overspending in discretionary areas when I’m not

To work around it, I’m currently tagging fixed expenses with notes like “bills” and filtering them manually to calculate my real recurring costs each month. But this defeats the purpose of having an automated budgeting tool in the first place.

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💡 Suggested Fix:

Let users select any recurring transaction to be included in “Bills & Utilities” for budgeting purposes—without having to recategorize it.

This would:

Preserve accurate category reporting

Make the budgeting feature reflect real-world financial structure

Eliminate the need for user workarounds

Rocket Money already recognizes what’s recurring. The app just needs a way to bridge that logic into the budget view—so users don’t have to choose between clarity and control.

Thanks for considering this. I really believe this improvement would fix one of the biggest pain points in an otherwise excellent tool.

It would be really helpful to be able to label certain categories (like home, auto, etc.) as bills. I categories them to get granularity but when I do, I can’t also label them as bills.

Bring sub codes

The web UI should include a way to segment categories into the following... fixed expenses, say for things like rent & car payments, and discretionary. This will easily allow users to isolate what spending categories change from month to month and thus allow them to quickly identify where to adjust spending.