Best Subscription Tracker in India (2026)
In India the best subscription tracker in 2026 is LemSubs — best india pick: rupee totals, dated rates, no bank access. Plaid does not operate in India, so US bank-linking trackers cannot read a HDFC Bank account.
In short
Best India pick: LemSubs. Cheapest paid option in INR: Spendee at ₹377/mo. GST is 18% on most imported digital subscriptions. Prices converted at 94.5 INR/USD on 2026-05-09.
Last reviewed 2026-08-09. First published 2026-08-09.
The ranking
| Rank | Tool | Score | Bank login | Free plan | Pricing |
|---|---|---|---|---|---|
| 1 | LemSubs | 36/40 | No | 10 subs | Free (10 subs); Pro $7.99 USD/mo |
| 2 | Bobby | 35/40 | No | Unlimited | Free; one-time in-app unlock |
| 3 | Google Sheets template | 31/40 | No | Free template | Free |
| 4 | Wallos | 32/40 | No | Unlimited (self-hosted) | Free (self-hosted) |
| 5 | TrackMySubs | 30/40 | No | Limited | Free tier; paid plans from about $4 USD/mo |
1. LemSubs
best India pick: rupee totals, dated rates, no bank access
Verdict: LemSubs fits the real Indian problem. Half your tools bill in dollars. So the rupee cost moves each month. LemSubs keeps the first currency. It shows the rupee total with the date of the rate. It also splits out GST for work claims. The trade is clear. You add your tools once, or import a CSV.
Strengths: Keeps the billing currency and converts on a dated rate; GST sits in its own export column; Works with zero bank access.
Trade-offs: You add tools by hand or by CSV; No Account Aggregator feed.
Best for: People who pay for some tools in dollars and some in rupees, and want one honest total.
Skip if: You want the app to find your tools for you.
Pricing: Free (10 subs); Pro $7.99 USD/mo (verified 2026-08-09). Bank login: No. Free plan: 10 subs.
2. Bobby
best free iPhone pick in India
Verdict: Bobby is the fastest free pick on an iPhone. It never asks for bank access. It shows rupee totals. But the catch is big here. Most people in India use Android. So most readers cannot use it.
Strengths: Free and unlimited; No account, and data stays on the phone; Handles INR.
Trade-offs: iPhone only; No web app and no sharing.
Best for: Indian iPhone users who want a free list in rupees with no signup.
Skip if: You use Android, like most people in India.
Pricing: Free; one-time in-app unlock (verified 2026-08-09). Bank login: No. Free plan: Unlimited.
3. Google Sheets template
the honest baseline most Indians already use
Verdict: A sheet earns its place here. It is what most people in India already use. It also beats a US app that cannot link to their bank. But it fails on both India problems. It will not warn you before a renewal. And a rupee number typed from a dollar price is stale next month.
Strengths: Free forever; Works on any Android phone; No account or bank access.
Trade-offs: No alerts unless you build them; You convert rates by hand, with no date.
Best for: Anyone who wants no cost and full control, and does not mind doing the maths.
Skip if: You want renewal alerts you do not have to build.
Pricing: Free (verified 2026-08-09). Bank login: No. Free plan: Free template.
4. Wallos
best self-hosted pick for Indian developers
Verdict: Wallos suits India's big self-hosting crowd. It has a neat side win. It is the one pick that does not add a new dollar bill to the list you want to shrink. The cost is your time. And there is still no real phone app.
Strengths: Free and open source; No dollar bill to track; Multi-currency including INR.
Trade-offs: You are the sysadmin; No native mobile app.
Best for: Tech users who want the data on their own machine and no dollar fee.
Skip if: You do not want to run and update a Docker box.
Pricing: Free (self-hosted) (verified 2026-08-09). Bank login: No. Free plan: Unlimited (self-hosted).
5. TrackMySubs
paid pick with email alerts, billed in dollars
Verdict: TrackMySubs does the one job a sheet cannot. It emails you before a renewal. It sits fifth here for one reason. It bills in dollars. So the tool you bought to fix rate drift has drift of its own. Check the free tier limit first.
Strengths: Sends renewal alerts by email; No bank login; Simple to set up.
Trade-offs: Bills in dollars, so your rupee cost moves; Small free tier; The design feels old.
Best for: Indian freelancers who want email alerts and can live with a dollar bill.
Skip if: You do not want a dollar charge whose rupee cost moves each month.
Pricing: Free tier; paid plans from about $4 USD/mo (verified 2026-08-09). Bank login: No. Free plan: Limited.
Auto detection does not work in India yet, so pick the best manual tracker
Advice written for readers in the US does not work here. Rocket Money, Copilot Money and Monarch Money read your bank through a US data pipe. That pipe stops at the US border. Add an Indian bank account and the link step just fails. That is why so many Indian reviews of these apps end in a refund.
India does have a modern way to share bank data. It is called the Account Aggregator network. The Reserve Bank of India runs the rules. You approve each data request in an app like Finvu, OneMoney or Setu. Indian money apps use it. Subscription trackers do not. The network was built for loan checks, not for spotting a card charge each month. So in India the real choice is between manual trackers. The question is which one handles rupees, GST and UPI well.
Two India-only details decide it. First, a lot of your tools bill in US dollars. So your card charge moves each month with the rate. A tracker that keeps the first currency and converts on a dated rate tells you the truth. One that stores a plain rupee number goes stale. Second, GST adds 18% to most digital tools bought from abroad. If you claim any of them as a work cost, you need that tax as its own column in an export. It must not be hidden inside a total.
Every tracker that claims auto detection runs on Plaid, MX or Finicity. None of those three can read an Indian bank account. India shares bank data through the RBI Account Aggregator network instead. No consumer subscription tracker uses that network yet (Reserve Bank of India Account Aggregator master directions; vendor bank-coverage pages, checked 2026-08-09.)
What that costs in INR: LemSubs ₹755/mo, TrackMySubs ₹378/mo, Rocket Money ₹567/mo, Monarch Money ₹1,417/mo, Copilot Money ₹1,229/mo, Quicken Simplifi ₹566/mo. Free options: Bobby, Subly, Wallos, SubscriptMe, Billio, Subscriptions (iOS), Notion tracker template, Google Sheets template, Hapstack. ₹ figures converted on 2026-05-09.
Who you would actually compare us to in India: Walnut — SMS-based expense reader, popular in India but no longer a focused subscription tracker. Money View — Indian personal-finance app that reads bank SMS alerts; lending-led rather than renewal-led. INDmoney — Tracks investments and spends via Account Aggregator; subscriptions are a side effect, not a feature. Google Sheets — Still the default in India — free, works offline, no bank access.
11 of the 20 trackers we price bill in USD, so what you pay in INR moves with the exchange rate. Converted at 94.5 INR per USD on 2026-05-09. Every pick works with INR and a India billing address without touching your bank login.
Frequently asked questions
What is the best subscription tracker app in India?
LemSubs. It needs no bank access. It keeps each price in the currency you are billed in. It shows rupees using a dated rate. It also keeps GST in its own export column. Bobby is the best free pick if you only use an iPhone.
Can any app detect my subscriptions automatically in India?
No. No consumer tracker does this here yet. The US data pipes cannot read Indian accounts. And no tracker uses the Account Aggregator network so far. If an app claims auto detection, it means its US version.
How do I track subscriptions paid by UPI autopay?
Add the mandate like any other subscription. Give it a renewal date. Mark UPI as the way you pay. These mandates are easy to forget. There is no card line to spot later.
Why can't Plaid apps see my India bank account?
Plaid, MX, Finicity have no India coverage, so trackers built on them cannot read a HDFC Bank, ICICI Bank, State Bank of India account. India shares bank data through the RBI-regulated Account Aggregator framework, not through the US aggregators that power most subscription trackers.
Is GST charged on my subscriptions in India?
Yes. GST of 18% applies to most imported digital subscriptions. Pick a tracker that keeps GST in its own export column so the amount stays visible for your accountant. Source: Central Board of Indirect Taxes and Customs, OIDAR rules, checked 2026-08-09.
Do these prices include INR conversion?
The INR figures on this page are converted from the vendor's USD price at 94.5 INR per USD as of 2026-05-09. Vendors that bill in USD will move with the rate, so your card charge changes month to month.
What changed since the last update
- 2026-08-09: First publication. 5 trackers ranked from a India account, with 20 tools priced in INR.