Apps Like Credit Karma
At a glance
| Fact | Answer |
|---|---|
| Options compared | 3 |
| Top pick | LemSubs |
| Top pick pricing | Free tier, Pro $7.99/mo |
| Best for | Ex-Mint users who mainly cared about subscription visibility |
| Free option | LemSubs (Free tier, Pro $7.99/mo) |
| Category | Personal Finance Apps |
Data last updated 2026-08-13. Checked by the LemSubs research team.
Credit Karma absorbed Mint's US user base but its focus is credit monitoring, not subscription visibility. If subscriptions were why you used Mint, these apps handle recurring charges directly.
The shortlist
| Tool | Pricing | Best for |
|---|---|---|
| LemSubs | Free tier, Pro $7.99/mo | Ex-Mint users who mainly cared about subscription visibility |
| Monarch Money | $14.99/mo | Full Mint replacement |
| Rocket Money | Free basic, Premium $6–12/mo | Bank-connected users |
LemSubs
Privacy-first subscription tracker with renewal alerts, refund-window countdowns, insurance and lease tracking, household splits, and per-seat SaaS audits — no bank login required.
Strengths: No bank credentials required; Renewal + refund-window alerts; Insurance, lease and household tracking; Team seat utilisation audits; Free forever tier.
Trade-offs: Manual entry by design; Newer platform.
Pricing: Free tier, Pro $7.99/mo.
Monarch Money
Community's paid Mint successor.
Strengths: Full budgeting.
Trade-offs: $14.99/mo.
Pricing: $14.99/mo.
Rocket Money
Bank-connected subscription and bill tracker.
Strengths: Auto-detects subs.
Trade-offs: Takes cut of savings.
Pricing: Free basic, Premium $6–12/mo.
How Apps Like Credit Karma Compare
- Credit monitoring vs subscription focus.
- Free vs paid.
- Bank-sync privacy model.
- Renewal alerting.
Frequently asked questions
Does Credit Karma still track subscriptions?
Not in a first-class way. LemSubs handles the subscription slice Mint used to cover.
Best free Credit Karma alternative for subscriptions?
LemSubs — permanent free tier for personal subscription tracking, no credit-score focus.