The best subscription trackers in 2026
Updated October 16, 2026
SubBuddy is our app. Every app below is the best pick for someone, and we say where another app beats ours.
The short answer
If you don't want to give an app your bank login, use SubBuddy: you add each subscription once (or import it from a CSV or your email receipts) and it emails you before the next charge. It's free for up to 3 subscriptions and $64.99 once for unlimited.
If you'd rather have an app find your subscriptions in your bank transactions and cancel or negotiate bills for you, Rocket Money is the established choice, at $7–$14 a month for Premium.
If what you really want is a budget rather than a subscription list, choose YNAB (every dollar gets a job) or Monarch Money (accounts, investments and net worth in one place).
Best for…
- Tracking subscriptions without linking your bankSubBuddy
- Finding subscriptions automatically and negotiating billsRocket Money
- Budgeting every dollarYNAB
- A household's whole financial pictureMonarch Money
- A polished budget on iPhone and MacCopilot Money
- A simple budget that shows what's left to spendPocketGuard
- The cheapest simple list on iPhoneBobby
- A free plan for up to 10 business subscriptions on the webTrackMySubs
Side by side
| App | Bank login | Free plan | Paid price | 3-year cost | Platforms |
|---|---|---|---|---|---|
| SubBuddy | Not needed | Yes, 3 subscriptions | $4.99/mo (first month free) or $64.99 once | $64.99 | Web, Android, Chrome extension |
| Rocket Money | Required | Yes, limited | $7–$14/mo Premium (you choose the price) | $252–$504 | iPhone, Android, web |
| YNAB | Optional | No (34-day free trial) | $14.99/mo or $109/yr | $327 | Web, iPhone, Android |
| Monarch Money | Built around it | No (7-day free trial) | $99.99/yr | $300 | Web, iPhone, Android |
| Copilot Money | Built around it | No | $13/mo or $95/yr | $285 | iPhone, iPad, Mac, web |
| PocketGuard | Built around it | No (7-day free trial) | $12.99/mo, $74.99/yr or $149.99 once | $149.99 | iPhone, Android, web |
| Bobby | Not needed | Yes, with limits | Up to $2.99 once | $2.99 | iPhone |
| TrackMySubs | Not needed | Yes, 10 subscriptions | $10/mo or $99.99/yr for unlimited | $300 | Web |
US list prices, checked October 16, 2026. 3-year cost is the cheapest way to keep the paid plan for three years, counting lifetime and one-time plans; free plans aside. Check the provider's site before you buy.
Best for: Tracking subscriptions without linking your bank
SubBuddy
A subscription tracker that never asks for your bank login. You add each subscription once (by hand, from a CSV, or from Gmail, Outlook or Yahoo receipts through the Chrome extension, which reads them in your browser), and SubBuddy shows what you pay each month, puts every renewal on a calendar and emails you before the charge.
- Paid price:
- $4.99/mo (first month free) or $64.99 once
- Bank login:
- Not needed
- Free plan:
- Yes, 3 subscriptions
- Platforms:
- Web, Android, Chrome extension
Good
- No bank connection, ever: nothing to link and nothing to break.
- Pay once: $64.99 for Lifetime, or $4.99 a month with the first month free.
- Renewal calendar, totals across currencies and family sharing.
- Web app, Android app and Chrome extension, in English, Spanish, German and Chinese.
Watch out for
- Nothing is detected from your bank: you add each subscription yourself (CSV and email import help).
- The free plan stops at 3 subscriptions; TrackMySubs' free plan allows 10.
- No iPhone app yet. The web app works on iPhone.
- It is not a budget: no income, accounts or net worth.
Best for: Finding subscriptions automatically and negotiating bills
Rocket Money
The best-known subscription app. Link your bank and card accounts and Rocket Money lists the recurring charges it finds. Premium adds a cancellation concierge, bill negotiation, budgets and net-worth tracking.
- Paid price:
- $7–$14/mo Premium (you choose the price)
- Bank login:
- Required
- Free plan:
- Yes, limited
- Platforms:
- iPhone, Android, web
Good
- Finds subscriptions in your transactions; nothing to type.
- Can cancel subscriptions and negotiate bills for you.
- Budgets and net worth in the same app.
Watch out for
- Needs your bank login, through a connection that can break.
- Premium is a recurring $7–$14 a month.
- Bill negotiation charges a share of what it saves.
- Built for US banks.
Best for: Budgeting every dollar
YNAB
YNAB (You Need A Budget) is a zero-based budgeting method with an app attached: every dollar you earn gets a job. Subscriptions are one of those jobs, not the focus.
- Paid price:
- $14.99/mo or $109/yr
- Bank login:
- Optional
- Free plan:
- No (34-day free trial)
- Platforms:
- Web, iPhone, Android
Good
- The strongest budgeting method in this list, if you stick with it.
- Works with linked or manual accounts.
- A long trial: 34 days, no card needed.
Watch out for
- $109 a year is a lot if you only want renewal reminders.
- A real learning curve, and it needs regular attention.
- No dedicated renewal calendar.
Best for: A household's whole financial picture
Monarch Money
An all-in-one money app: accounts, investments, net worth and budgets in one place, shared with a partner. It shows recurring charges, but subscriptions are a small part of what you pay for.
- Paid price:
- $99.99/yr
- Bank login:
- Built around it
- Free plan:
- No (7-day free trial)
- Platforms:
- Web, iPhone, Android
Good
- Accounts, investments and net worth in one view.
- Built for sharing with a partner or household.
- Apps on web, iPhone and Android.
Watch out for
- $99.99 a year, every year.
- Depends on bank connections, which can break.
- More app than you need for subscriptions alone.
Best for: A polished budget on iPhone and Mac
Copilot Money
A budgeting app designed for Apple devices, with automatic categorisation and investment tracking. Recurring charges are picked up from linked accounts as part of the budget; manual accounts are possible if you'd rather type each transaction in.
- Paid price:
- $13/mo or $95/yr
- Bank login:
- Built around it
- Free plan:
- No
- Platforms:
- iPhone, iPad, Mac, web
Good
- The most polished design in this list on iPhone and Mac.
- Investment tracking next to the budget.
- Automatic, AI-assisted categorisation.
Watch out for
- No Android app; the web app arrived in late 2025 and trails the iPhone app.
- No free plan.
- Built around linked accounts: with a manual account you enter every transaction yourself.
Best for: A simple budget that shows what's left to spend
PocketGuard
A budgeting app built around one number: how much you can still spend after bills, goals and savings ("In My Pocket"). Subscription tracking is part of the paid plan.
- Paid price:
- $12.99/mo, $74.99/yr or $149.99 once
- Bank login:
- Built around it
- Free plan:
- No (7-day free trial)
- Platforms:
- iPhone, Android, web
Good
- "In My Pocket" makes the budget easy to read.
- Debt payoff planning.
- A lifetime plan: $149.99 once.
Watch out for
- Subscription tracking needs the paid plan.
- Built around linking your bank accounts.
- No free plan: a 7-day trial, then $74.99 a year or $149.99 once.
Best for: The cheapest simple list on iPhone
Bobby
A minimalist manual tracker for iPhone: add your subscriptions, see the monthly total, get a notification before each one renews. Small one-time purchases remove the limits.
- Paid price:
- Up to $2.99 once
- Bank login:
- Not needed
- Free plan:
- Yes, with limits
- Platforms:
- iPhone
Good
- Costs almost nothing: one-time unlocks of up to $2.99.
- No account and no bank access.
- Quick and simple.
Watch out for
- iPhone only: no web, Android or desktop.
- Reminders are notifications on that one phone.
- No spending analytics, and updates have been sporadic.
Best for: A free plan for up to 10 business subscriptions on the web
TrackMySubs
A web-based subscription tracker built for entrepreneurs and small businesses, with folders, alerts and multiple currencies. The free plan covers 10 subscriptions; unlimited costs $10 a month or $99.99 a year.
- Paid price:
- $10/mo or $99.99/yr for unlimited
- Bank login:
- Not needed
- Free plan:
- Yes, 10 subscriptions
- Platforms:
- Web
Good
- The most generous free plan here: 10 subscriptions.
- Business folders and multiple currencies.
- No bank access needed.
Watch out for
- Unlimited tracking is $99.99 a year, every year.
- Web only: no mobile apps or browser extension.
- The interface feels dated.
How we compared
- Bank access: whether the app needs your bank login to track subscriptions at all. "Built around it" means it works best linked, and without a link you type in every transaction.
- Cost: list prices on each app's site, and the cheapest way to keep the paid plan for three years, lifetime and one-time plans included.
- Free plan: whether you can track subscriptions without paying, and up to how many.
- Platforms: where you can use it: web, iPhone, Android.
- What we didn't test: how accurately bank-linked apps detect subscriptions. That depends on your bank and changes often.
Questions
What is the best free subscription tracker?
For a handful of subscriptions on the web, TrackMySubs' free plan covers 10 and SubBuddy's covers 3. Rocket Money also has a free version, but it needs your bank login. Bobby is free on iPhone, with optional one-time unlocks of up to $2.99.
Can I track subscriptions without linking my bank?
Yes. SubBuddy, Bobby and TrackMySubs never ask for bank access: you add subscriptions yourself. SubBuddy can also import a CSV or pick up receipts from Gmail, Outlook and Yahoo through its Chrome extension, which reads them in your browser. YNAB and Copilot Money offer manual accounts too, but they are budgeting apps where you enter every transaction yourself.
Is Rocket Money worth it?
If you're happy to link your bank and want subscriptions found for you, plus bill negotiation (which charges a share of what it saves), it can pay for itself. If you only need a list and reminders, $7–$14 a month is a lot for that job: three years costs $252–$504, against $64.99 once for SubBuddy Lifetime.
Which subscription trackers work on Android and in a browser?
SubBuddy, Rocket Money, YNAB, Monarch Money and PocketGuard. Copilot Money has no Android app, Bobby is iPhone-only and TrackMySubs is web-only.
What's the difference between a subscription tracker and a budgeting app?
A subscription tracker answers "what am I paying for, and when does it renew?". A budgeting app (YNAB, Monarch, PocketGuard, Copilot) tracks all your spending and income, with subscriptions as one category. If renewals are the problem, a tracker is less work.
More comparisons
Want to try the no-bank option?
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