Track subscriptions without linking your bank account
SubBuddy is for people who want subscription clarity without giving a finance app full access to their transactions.
3 subscriptions free · no card · 2-minute setup
Example statement
Checking account ···· 8841
What SubBuddy keeps| Day | Description | Amount |
|---|---|---|
| 01 | Payroll · Acme Ltd | +$2,840.00 |
| 01 | Rent transfer | -$1,250.00 |
| 03 | Netflix.com | -$19.99 |
| 04 | Corner Market 0412 | -$86.40 |
| 06 | Spotify P2F1C8 | -$12.99 |
| 08 | City Pharmacy | -$23.15 |
| 09 | Apple.com/bill | -$2.99 |
| 11 | Fuel station 22 | -$54.20 |
| 12 | Transfer to savings | -$300.00 |
| 15 | Gym membership | -$35.00 |
| 17 | Trattoria Roma | -$41.80 |
SubBuddy keeps four records you typed
- Netflix · StandardCard ending 4242, as you entered it$19.99a month
- Spotify · IndividualCard ending 4242, as you entered it$12.99a month
- iCloud+ · 200 GBCard ending 0117, as you entered it$2.99a month
- Gym · MonthlyCard ending 0117, as you entered it$35.00a month
Tracked every month
$70.97
SubBuddy never connects to a bank. You copy over the lines that are subscriptions; the rest of the statement stays with you.
When manual control is the feature
Bank-connected apps can be useful, but they are not always the right fit. If you share cards with family, use multiple currencies, pay through app stores, or simply prefer not to link accounts, a focused manual tracker can be cleaner.
- Shared cards. One card pays for three people's plans, and a bank feed can't tell whose is whose.
- More than one currency. Each record keeps its original charge, and totals convert through one rate table.
- App store billing. Apple and Google bill many apps under one line; a record names the actual service.
- You'd rather not link. No bank login and no transaction access, so there's nothing to revoke later.
A household can track Netflix, iCloud, Canva, a VPN, a gym membership, and annual insurance reminders without connecting a joint bank account. Each person can see what renews next and which card or email is tied to it.
Screenshots on this page are from the live app.
How the no-bank workflow works
Add subscription
Typed by youAdd each subscription with amount, billing interval, renewal date, category, payment method, and cancellation notes.
Use tags for context like work, family, app store, tax deductible, annual, or trial.
Review upcoming renewals in the dashboard and calendar before money leaves your account.
Export or update records without depending on a bank feed's categorization.
Why this is different from a spreadsheet
A spreadsheet can hold the same list. What it can't do is act on it.
In a spreadsheet
SubBuddy
A renewal date is a cell nobody looks at until the charge lands.
Renewal reminders are tied to the subscription, not a generic calendar event.
Paused and cancelled rows still count, unless someone edits the formula.
Paused, canceled, trial, and one-time records stay separated from active monthly spend.
Each currency needs its own column, or its own conversion formula.
Multi-currency records keep the original charge while showing converted totals.
Frequently asked questions
- Can I use SubBuddy without connecting a bank account?
- Yes. SubBuddy is designed around manual subscription records, CSV review, and optional Chrome extension capture rather than mandatory bank linking.
- Will manual tracking miss subscriptions?
- It can if you never audit your statements. The best workflow is to run a one-time bank statement or app store audit, then keep SubBuddy updated when you start, cancel, pause, or downgrade services.
- Is this better than automatic transaction detection?
- It depends on your priority. Automatic detection can save setup time, while manual tracking gives you cleaner renewal context, cancellation notes, and privacy control.
Your bank statement stays yours.
Add what you pay for in a few minutes, get a reminder before each renewal, and never give a tracker access to your bank.
3 subscriptions free · no card · 2-minute setup