Best Subscription Tracker for iPhone (2026)

Bobby is the iPhone default: free, unlimited, no signup, no bank link. Pay $14.99/yr for Subly only if you want home-screen widgets. Use LemSubs instead if your laptop or a partner's device also needs the list.

In short

Best free pick for iPhone: Bobby (unlimited, on-device). Best home-screen widgets: Subly. Best if you also use a laptop: LemSubs (web + iOS PWA). Best Apple-ecosystem PFM: Copilot. Tested April 2026.

Last reviewed 2026-05-02. First published 2026-05-02.

The ranking

1. Bobby

Best free iPhone tracker — unlimited, on-device

Verdict: Bobby is what 'best iPhone subscription tracker' threads have converged on for years. Free, beautiful, on-device, no account. The one thing it lacks — widgets — is exactly what Subly was built for.

Strengths: Unlimited subs free; On-device, no signup; Beautiful native iOS.

Trade-offs: No widgets; iOS only — no web.

Best for: Anyone who wants the cleanest possible 'list of subs' app on iPhone for free.

Skip if: You need widgets, web access, or shared editing.

Pricing: Free (one-time $1.99 unlock) (verified 2026-04-28). Bank login: No. Free plan: Unlimited.

2. Subscriptions (Subly)

Best home-screen widgets in the category

Verdict: Subly is the most polished native iOS subscription tracker and the widgets are why you pay. If you live by the home screen, the $14.99/yr is fine.

Strengths: Best widgets in category; Manual-only — no bank link; Apple Family Sharing.

Trade-offs: Free tier capped at 5 subs; iOS only.

Best for: iPhone users who want the next renewal visible on the home screen at a glance.

Skip if: You don't care about widgets — Bobby is free.

Pricing: Free (5 subs); Pro $14.99/yr (verified 2026-04-28). Bank login: No. Free plan: 5 subs.

3. LemSubs

Best if you also use a laptop or want shared editing

Verdict: LemSubs is the iPhone pick when 'just iPhone' isn't your real life — when you also open the laptop, when a partner needs to see the list, when a friend on Android needs in. The PWA loses to native on widgets but wins everywhere else.

Strengths: Web + iOS PWA + Android; Workspaces for shared editing; No bank login.

Trade-offs: PWA, not native — no widgets; 10-sub free cap.

Best for: iPhone users whose subs live across web, laptop, and a partner's device.

Skip if: You're iOS-only and Bobby's free unlimited tier is enough.

Pricing: Free (10 subs); Pro $7.99/mo (verified 2026-04-28). Bank login: No. Free plan: 10 subs.

4. Copilot Money

Best Apple-ecosystem PFM with subs as a feature

Verdict: Copilot is the prettiest app on this list and it includes a Mac companion. If you want one app for budgeting + subs and you're all-Apple, it's defensible. Otherwise it's overpriced for the subs-only use case.

Strengths: Best-in-class iOS design; Subs surface naturally; Mac app included.

Trade-offs: $13/mo; Bank-link required; Apple-only.

Best for: iPhone users who want a beautiful PFM and don't mind Plaid.

Skip if: You only want a tracker — Copilot is overkill.

Pricing: $13/mo or $95/yr (verified 2026-04-28). Bank login: Required. Free plan: None.

5. Rocket Money

Best for auto-detection (US users only)

Verdict: Rocket Money is excellent on iPhone if the bank link is fine. The trade-off is the same as on every platform: you give Plaid full read access. For iPhone-specific privacy reasons (Apple's whole pitch), most reviewers steer toward Bobby instead.

Strengths: Auto-detects every charge; Concierge cancellation; Polished iOS app.

Trade-offs: Plaid required; US/UK/CA only.

Best for: US iPhone users who want zero manual entry.

Skip if: You're outside the US or refuse to link your bank.

Pricing: $6–$12/mo, choose-your-price (verified 2026-04-28). Bank login: Required. Free plan: None.

What changed for iPhone subscription tracking in iOS 18

iOS 18's 'Apple Pay subscription summary' surface (introduced September 2024) covers a meaningful slice of what a subscription tracker used to be needed for: Apple-billed subscriptions are now visible in a single Settings pane. That makes the third-party tracker question sharper, not less relevant — what's left is the 80% of subscriptions billed outside Apple's payment system (direct credit card, PayPal, Stripe-via-vendor) that the system view doesn't see.

Native iOS trackers still win on three things the system view doesn't do: cross-vendor renewal calendar, custom alerts more granular than 'day-of', and historical spend visualisation. Bobby remains the reference for the 'free, on-device, no account' angle. Subly and Subscript trade some of that simplicity for widgets and Apple Watch.

Cross-platform options (LemSubs PWA, Rocket Money native iOS) are on this list specifically for households where one phone is iPhone and the other is Android — the iPhone-only tools fall apart at that boundary.

Frequently asked questions

What changed since the last update

• 2026-05-02: First publication. 5 iPhone trackers ranked.

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