Apps That Track Your Subscriptions (2026): 5 Tested

The apps that track your subscriptions fall into two groups: manual apps that you type charges into (Bobby, LemSubs, Subly, Wallos) and bank-linked apps that read your transactions for you (Rocket Money, Monarch). Manual apps need no bank login and start free; bank-linked apps do the finding but require your bank credentials through Plaid.

In short

Best free app on iPhone: Bobby (unlimited, on-device). Best app on any device: LemSubs (10 subs free, web plus installable tile). Best app that finds charges for you: Rocket Money (bank login required). Best app you host yourself: Wallos.

Last reviewed 2026-09-16. First published 2026-09-18.

The ranking

1. Bobby

Best free app if you only use an iPhone

Verdict: Bobby is the shortest answer to the question. Install it, type in your subscriptions, get renewal reminders, pay nothing. It does not read your bank and it does not sync to a browser, and for a single-phone household that is usually fine.

Strengths: Unlimited subscriptions free; Stays on the device, no signup; Cheap one-time unlock.

Trade-offs: iPhone only; You type every subscription in yourself.

Best for: iPhone owners who want an unlimited free list of subscriptions with no account to create.

Skip if: You use Android, or you want the app to find charges for you.

Pricing: Free; Pro $1.99 one-time (verified 2026-08-09). Bank login: No. Free plan: Unlimited.

2. LemSubs

Best app that works on any device without a bank login

Verdict: This is our own app, so read the column rather than the compliment: no bank credential, any device, and the statement upload does the boring first pass. The free plan covers ten subscriptions, which is where most personal lists actually land.

Strengths: Runs in a browser and installs as a tile on phones; Reads a statement PDF so you do not start from an empty list; Renewal, trial and price-rise alerts; Exports a per-charge CSV for an accountant.

Trade-offs: No live bank connection by design; Free plan stops at 10 subscriptions.

Best for: People on Android, Windows or a mix of devices who want one list everywhere and a statement upload to start it off.

Skip if: You want the app to link to your bank and find charges automatically.

Pricing: Free (10 subs); Pro $7.99/mo (verified 2026-08-09). Bank login: No. Free plan: 10 subs.

3. Rocket Money

The app that finds the charges for you — if you link a bank

Verdict: If the appeal of an app is that it finds the subscriptions you cannot remember, this is the category leader and the trade is explicit: a live connection to your account. Judge it on whether you are willing to make that trade, not on the feature list.

Strengths: Finds recurring charges without typing; Will try to cancel on your behalf; Polished phone app.

Trade-offs: Bank login through Plaid is required; Paid tier is a sliding price; US-centred bank coverage.

Best for: People in the US with a supported bank who want the list built for them and will hand over bank access to get it.

Skip if: You will not share bank credentials, or you are outside the US.

Pricing: $6–$12/mo (verified 2026-08-09). Bank login: Required. Free plan: None.

4. Subscriptions (Subly)

Best app for seeing the next charge on your home screen

Verdict: Subly is built around the glance. If the thing you want from an app is the next charge visible without opening anything, it does that better than the rest of this list.

Strengths: Several widget sizes; No bank connection; Cheap yearly price.

Trade-offs: Free plan stops at five subscriptions; iPhone only.

Best for: iPhone owners who want the next renewal on a home-screen or lock-screen tile.

Skip if: You need it in a browser or on Android.

Pricing: Free (5 subs); Pro $14.99/yr (verified 2026-08-09). Bank login: No. Free plan: 5 subs.

5. Wallos

Best app you run on your own server

Verdict: Wallos is the honest answer for anyone whose objection to every other app is the hosting. It is a real tracker, it costs nothing, and the price is an evening of setup plus the updates.

Strengths: Free forever; Open source; Your data never leaves your machine.

Trade-offs: You maintain it; No phone app; No statement reading.

Best for: People comfortable with Docker who want the data to stay on hardware they control.

Skip if: You do not want to run and update a server.

Pricing: Free (self-hosted) (verified 2026-08-09). Bank login: No. Free plan: Unlimited.

The real choice is who does the typing

Almost every question in this category comes down to one fork in the road: do you want an app that reads your bank account and lists the charges it recognises, or an app where you enter each subscription once and it tracks the dates from then on? Bank-linked apps save the first hour of work and cost you a bank credential handed to a third-party aggregator. Manual apps cost you twenty minutes of setup and ask for nothing but an email address.

The middle path most people miss is a statement upload. Instead of linking a live bank connection, you export a PDF or CSV statement from your bank yourself and a tool reads the recurring lines out of it. You get the same starting list as a bank-linked app without granting standing access to the account. LemSubs and a handful of converter tools work this way.

Once the list exists, the apps separate on a second point: what they do about the renewal you forgot. A plain list is a spreadsheet with rounded corners. The apps worth paying for are the ones that alert before a charge lands, flag the trial that is about to turn into a payment, and show the annual bill that is three weeks out rather than only the monthly total.

Read the bank-login column first. It is the one difference that decides the shortlist for most people, and it is the one thing the app-store listings bury.

Frequently asked questions

What changed since the last update

• 2026-09-18: First publication. 5 apps ranked by who does the typing.

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