How to cancel Rocket Money and switch to Unburden

Why you might be leaving Rocket Money

Rocket Money (formerly Truebill) built its reputation on two things: finding subscriptions you forgot about and negotiating your cable bill down. Both are real value. If you pay Premium and they save you $100 a year on your phone bill, the app pays for itself.

What Rocket Money is not built for is debt payoff. The debt view shows your balances, but the strategy side is thin. If you are paying $4 to $12 a month for a tool whose signature features are subscription audit and bill negotiation, and what you actually need is a snowball versus avalanche comparison and a month-by-month payoff plan, you are paying for the wrong thing.

Here is what you will do

Five steps. Ten minutes. You can cancel Premium before or after setting up Unburden; order does not matter.

1. Step 1 (2 min): Export your Rocket Money data. Rocket Money does not offer a clean CSV export for everything. Open the app, note your debt balances, APRs, and minimum payments from the Accounts view, and any subscriptions worth keeping track of.
2. Step 2 (1 min): Open Unburden. Go to app.unburden.money or install from Google Play. No sign-up needed.
3. Step 3 (5 min): Add your debts. Enter each debt manually: name, balance, APR, minimum. Five debts takes about five minutes.
4. Step 4 (1 min): Set your monthly amount. Pick the total you can commit to debt each month. Unburden builds the plan and shows your debt-free date.
5. Step 5 (1 min): Cancel Premium. In the Rocket Money app, open Settings, tap Manage Premium, and choose Cancel Membership. If you subscribed through Apple or Google, cancel through the App Store or Play Store.

What carries over vs. what doesn't

Carries over

• Your debt balances, APRs, and minimums. These are the four fields Unburden needs and the only ones you enter.
• Your monthly amount toward debt. Whatever Rocket Money was tracking, that becomes your Unburden monthly amount.

Doesn't carry over

• Subscription tracking. Unburden does not audit subscriptions. You can use Rocket Money's free tier for that, or a simple note in your calendar on the first of each month.
• Bill negotiation. Rocket Money's negotiation team goes away when you cancel. If that saved you real money, factor it in before switching.
• Automatic bank sync. Unburden does not connect to banks. You update balances manually (most people do this monthly, which takes under a minute).

Feature-by-feature comparison

Rocket Money wins at what it was designed for. Unburden wins at what it was designed for. The honest question is which job you are paying an app to do.

How to export your data from Rocket Money

Rocket Money does not offer a broad CSV export. You can request your data through privacy settings in the app (under Settings then Privacy & Data), which triggers an email with your account information. For a switch to Unburden, the faster path is to open the Accounts tab, write down each debt's name, balance, APR, and minimum, and move on. Support link: help.rocketmoney.com.

How to cancel your Rocket Money Premium

In the Rocket Money app: Settings, then Manage Premium, then Cancel Membership. Rocket Money will try to retain you with a downgrade offer; decline and confirm. If you subscribed through the App Store or Play Store, you cancel there instead: on iOS, Settings, Apple ID, Subscriptions; on Android, Play Store, Profile, Payments and Subscriptions. Remaining Premium time stays active until the end of your billing period.

Why Unburden works for ex-Rocket Money users

Three specific reasons:

• It does one thing very well. Rocket Money is a mix of useful tools. Unburden is a single, focused debt payoff planner. If debt is the problem, focused beats general.
• It costs less over a lifetime. A lifetime Unburden license is $149.99. That is about a year and a half of Rocket Money Premium at $8 per month. Past that, Unburden is free forever.
• It does not push you into other financial products. Rocket Money is owned by Rocket Companies, the mortgage lender. The app has an incentive to route you toward their services. Unburden has no such incentive.

FAQ

What happens to my Rocket Money history?

Your account and transaction data stays in Rocket Money until you delete the account. After canceling Premium you drop to the free tier and still see your history. If you want the account fully gone, there is a separate Close Account option in settings that removes your data.

Can I import Rocket Money data into Unburden?

There is no automated import. Rocket Money does not offer a broad CSV export, so you write down your debt balances, APRs, and minimums from the app and re-enter them in Unburden. For five debts that is about five minutes.

Is Unburden cheaper than Rocket Money Premium?

Rocket Money Premium is pay-what-you-want between $4 and $12 per month. Unburden Pro is $6.45 per month, $49.99 per year, or $149.99 lifetime. If you were on Rocket Money at $12 and considering Unburden Pro at $6.45, the savings are real; at $4 it is a wash on price and a decision about features.

What if Unburden does not negotiate my bills?

It does not. Bill negotiation is Rocket Money's signature feature, and Unburden does not replicate it. If that is the main reason you pay for Rocket Money, keep it and use Unburden alongside. If debt payoff was the real goal, Unburden alone is the better fit.

Do I get a refund from Rocket Money?

Rocket Money refund policy is discretionary. Contact support through the app under Help. If you paid through Apple or Google, go through the App Store or Play Store's refund flow. Keep in mind Rocket Money has earned money on any bills it negotiated down, which they deduct from refund requests.

If you are still comparing options, the full breakdown is at Unburden vs Rocket Money. If you were also eyeing Monarch, see switching from Monarch.