Best Subscription Tracker for Bookkeeping (2026)
For bookkeeping you need one row per charge rather than one row per subscription, with the date, the amount actually paid, the currency, the tax or VAT portion, and the next billing date. LemSubs and TrackMySubs both export at charge level; the bank-linked apps export transactions but without the subscription context a bookkeeper needs.
In short
Best export for a bookkeeper: LemSubs (per-charge CSV, gross and net with the tax portion, receipts attached, next billing date). Also charge-level: TrackMySubs. Bank-linked apps give transactions without the subscription detail.
Nothing here is tax advice.
Last reviewed 2026-09-16. First published 2026-09-18.
The ranking
| Rank | Tool | Score | Bank login | Free plan | Pricing |
|---|---|---|---|---|---|
| 1 | LemSubs | 37/40 | No | 10 subs | Free (10 subs); Pro $7.99/mo |
| 2 | TrackMySubs | 29/40 | Optional | 10 subs | Free (10 subs); paid from $10/mo ($99.99/yr) |
| 3 | Monarch Money | 26/40 | Required | None | $14.99/mo or $99.99/yr |
| 4 | Rocket Money | 26/40 | Required | None | $6–$12/mo |
| 5 | Wallos | 31/40 | No | Unlimited | Free (self-hosted) |
1. LemSubs
Best export shape for a ledger — per charge, tax split out
Verdict: Our own tool, and the export is the reason it sits first here: the file has the columns a bookkeeper asks for, including the tax split and the next billing date, so it posts without a reshape step.
Strengths: One row per charge at the amount actually paid; Gross, tax and net stored per charge for VAT-inclusive prices; Next billing date exported for accruals; Receipts attached to each subscription; Separate workspaces keep personal and business apart.
Trade-offs: Charges are entered or read from a statement, not a bank feed; Free plan stops at 10 subscriptions.
Best for: Anyone whose bookkeeper needs one row per charge with the tax portion and a receipt attached.
Skip if: You want the charges detected from a live bank feed.
Pricing: Free (10 subs); Pro $7.99/mo (verified 2026-08-09). Bank login: No. Free plan: 10 subs.
2. TrackMySubs
Charge-level exports from a long-running web app
Verdict: The other tool on this list that exports the right shape. You add the tax handling yourself in the ledger, which is workable when your bookkeeper already does that.
Strengths: Exports at charge level; Bank link optional; Multi-currency.
Trade-offs: No per-charge tax split; Paid tiers start higher than this list's average.
Best for: Small teams who want charge-level exports and do not need the tax portion stored separately.
Skip if: You need VAT split per charge or receipts held with each subscription.
Pricing: Free (10 subs); paid from $10/mo ($99.99/yr) (verified 2026-09-16). Bank login: Optional. Free plan: 10 subs.
3. Monarch Money
Good transaction export, no subscription context
Verdict: Monarch exports transactions well and that covers the backward-looking half of bookkeeping. It cannot tell you what bills next, so accruals and renewal planning stay manual.
Strengths: Clean transaction-level export; Strong categorisation; Multi-account view.
Trade-offs: Bank link required; No next-billing-date field; Subscriptions are inferred, not tracked.
Best for: People who already run Monarch for household finances and want the transaction file.
Skip if: You need active subscriptions with next billing dates rather than past transactions.
Pricing: $14.99/mo or $99.99/yr (verified 2026-08-09). Bank login: Required. Free plan: None.
4. Rocket Money
Consumer-first, thin on export
Verdict: Fine at finding charges, weak as a source document. Most people who try to run business expenses through it end up rebuilding the list in a spreadsheet.
Strengths: Finds recurring charges; Simple phone app.
Trade-offs: Bank login required; Export is not built for a ledger; No tax fields.
Best for: US personal users who want charges found and are not filing business expenses from it.
Skip if: A bookkeeper has to post the output.
Pricing: $6–$12/mo (verified 2026-08-09). Bank login: Required. Free plan: None.
5. Wallos
Self-hosted, exports what you put in
Verdict: A credible free option when the bookkeeping is simple and the hosting preference is strong. Expect to add the tax columns yourself.
Strengths: Free; Open source; Data stays with you.
Trade-offs: No tax split; No receipt storage; You maintain the server.
Best for: Self-hosters who keep their own books and want the data on their own server.
Skip if: You want tax fields or receipts held per charge.
Pricing: Free (self-hosted) (verified 2026-08-09). Bank login: No. Free plan: Unlimited.
A bookkeeper wants rows, not a dashboard
The bookkeeping job is narrow and boring: every charge posted to the right account, in the right period, with the tax portion separated and a receipt attached. Most subscription trackers are built for the opposite job, which is showing one person a total. A tracker that only exports the listed monthly price is the wrong shape, because the deductible figure is what actually left the account, and those two numbers separate the moment there is a currency conversion, a usage charge or a mid-cycle plan change.
That is why the export format matters more than any other feature on this page. One row per charge, with date, vendor, gross amount, currency, the converted amount, the tax or VAT portion, and a category. Anything else needs a reshape step before it reaches a ledger, which is exactly the manual work the tool was supposed to remove.
The second thing bookkeepers ask for is the forward view: which subscriptions are active and when each one bills next. That answers the accruals question and it is the one field a plain transaction export cannot provide, because a transaction log only knows what already happened. Keeping subscriptions and one-off purchases apart follows from the same field — a subscription has a next date, a one-off purchase does not.
On tax treatment itself, this page stops at what the tool can record. Whether a particular subscription is deductible, and how the VAT is reclaimed, is a question for your accountant, and the answer differs by country and by how the service is used.
Judge these on the export, not the dashboard. The question is whether your bookkeeper can post the file unedited.
Frequently asked questions
How do I export a list of active subscriptions with next billing dates?
Open the export menu and choose CSV. LemSubs includes the next billing date for every active subscription alongside the amount and currency, which is the field a bookkeeper needs for accruals. Transaction exports from bank-linked apps do not carry that field.
Can a tracker separate subscriptions from one-off purchases?
Yes, when the record has a billing cycle. A subscription has a next date and a cycle; a one-off purchase has neither, so the export can be filtered on that field rather than guessed from the merchant name.
Where does VAT fit in?
You can store the gross amount, the tax rate and the tax portion per charge, so the export shows net and tax separately. Whether that tax is reclaimable is a question for your accountant, not the tool.
Why one row per charge and not one row per subscription?
Because the figure your books need is what actually left the account on a date. Listed prices drift from real charges with currency conversion, usage fees and mid-cycle changes.
Do any of these post straight into accounting software?
None of the five posts directly into a ledger in 2026. The realistic route is a CSV your bookkeeper imports, which is why the column shape is the whole test on this page.
What changed since the last update
- 2026-09-18: First publication. 5 trackers ranked on export shape for bookkeeping.