How do you cancel Rocket Money if you subscribed through Apple or Google?
On an iPhone, open Settings, tap your name, tap Subscriptions, choose Rocket Money, and tap Cancel Subscription. On Android, open your subscriptions in Google Play, choose Rocket Money, and tap Cancel subscription. Deleting the app does not cancel a subscription.
If Rocket Money does not appear in your Apple or Google subscriptions, Rocket Money bills you directly, and the steps above apply.
When does cancelling Rocket Money take effect?
At the end of your current billing cycle. Until then you keep every Premium feature, and your account stays open afterward. Rocket Money's terms say you can also stop a scheduled debit by telling it at least 3 business days before the debit date.
If you are in the 7-day free trial, cancel before it ends. Otherwise the membership starts at the monthly price you picked when you signed up.
What does cancelling Rocket Money not do?
Cancelling Premium does not delete your Rocket Money account or your data, and it does not unlink your banks. Bill negotiations already under way stay in place, and so do notifications and emails until you change your alert settings. Unlinking a bank does not cancel Premium either; each is its own step.
A bill negotiation fee you were charged is not refundable, Rocket Money's terms say, except when Rocket Money made an error during the negotiation.
What should you download before you cancel?
Download your transactions while you still have Premium, because export is a Premium feature. On rocketmoney.com, open Transactions, select Export, choose any filters, and select Export. In the app, tap the menu on the Transactions tab, choose CSV Download, and tap Export. Rocket Money emails you a link to the CSV file.
Open the email on a computer and select Download File. Rocket Money says the file can't be downloaded on a phone. Leave the filters off to get your full history.
No card needed to start.
How do you delete your Rocket Money account?
First cancel Premium, cancel any active bill negotiations, and close any active financial goals. Then, in the app, open Settings, choose Profile, scroll to the bottom, tap Delete My Account, and confirm with Yes, I'm Sure. On the website, open Settings, choose Profile, and select Delete Rocket Money Account twice.
Deleting is permanent. It erases your Rocket Money data and cannot be undone. Rocket Money's terms say your login is deactivated right away and your account data is removed within 48 hours. A Rocket Mortgage or other Rocket account is not deleted with it.
How do you unlink your banks from Rocket Money?
In the app, open Settings, choose Linked Accounts, tap Unlink beside the bank, and confirm. On the website, open Settings, choose Linked Accounts, select the three dots beside an account, choose Unlink, and confirm. Unlinking removes that bank's data from Rocket Money, including your edits, and it cannot be recovered.
Most banks link to Rocket Money through Plaid, so you can also see and remove the connection in Plaid's own portal at my.plaid.com.
Should you cancel Rocket Money?
Keep Premium if its team is still cancelling or negotiating things you would not get around to yourself. Cancel if you mostly wanted the list of subscriptions, which the basic plan keeps showing at no cost, or if you would rather the AI agent you already use take on subscriptions as part of a plan for all your money.
Rocket Money does this one job well, and if calling providers is what you dread, its fee can be worth it.
What can you use instead of Rocket Money?
If you already use Claude, ChatGPT, or another AI agent, use Candor. Your agent finds your subscriptions and price increases and, with your okay, cancels them, asks for refunds, and asks for lower bills, in a browser or by email. If yours can't use a browser yet, it drafts the message for you to send.
Upload your Rocket Money export on Candor's Accounts page or through a link your agent sends you. Your agent checks the file, then adds your accounts, so your history comes with you.
The Personal plan connects your US banks, cards, and brokerages, so every account and transaction comes in on its own and Candor always reviews current records. You can also try Candor free first, with your history from the app or bank you use now.
Each review covers your spending, bills, debt, savings, and investments, and tells your agent what's worth talking through and why. What you decide stays saved for the next conversation. Candor never moves money.
Common questions
- How do I cancel my Rocket Money subscription?
- Open Settings, choose Membership, then Manage, move the slider to $0 a month, and select Cancel Subscription. If Apple or Google bills you, cancel in that store's subscriptions instead.
- Does cancelling Rocket Money delete my account?
- No. Your account and data stay. Delete the account separately under Settings, Profile, after cancelling Premium.
- Will I get a refund if I cancel Rocket Money?
- Rocket Money says cancelling takes effect at the end of your billing cycle, and you keep Premium until then. Its terms say bill negotiation fees are not refundable unless it made an error.
- Can I cancel Rocket Money during the free trial?
- Yes, with the same steps. Cancel before the 7 days end, or the membership starts at the price you picked.
- Can I bring my Rocket Money data to Candor?
- Yes. Export your transactions as a CSV before Premium ends, then upload the file on Candor's Accounts page or through a link your agent sends you. Candor is free to try with your history.
- How much does Candor cost?
- Candor's Personal plan connects your US banks, cards, and brokerages, so every account and transaction comes in on its own and Candor always reviews current records. It costs from $8.25 a month on the annual plan ($99 a year), or $14.99 month to month, and its first 7 days are free. You can also try Candor free first. Bring your history over from Monarch, YNAB, Copilot, or your bank. Download your transactions there, and your agent adds your accounts from the file.
Sources
- Managing my Premium Membership Rocket Money
- How to delete your Rocket Money account Rocket Money, September 22, 2026
- Exporting Transactions Rocket Money, September 22, 2026
- Disconnecting a bank account or credit card Rocket Money, September 22, 2026
- Rocket Money pricing: what's free vs. Premium vs. Premium+ Rocket Money, January 19, 2026
- How much does Rocket Money cost? Rocket Money
- Terms of Service Rocket Money, October 2, 2026
- Cancel a subscription from Apple Apple, September 29, 2026
- Cancel, pause, or change a subscription on Google Play Google