Best Subscription Trackers Without a Bank Login (2026)
You can track subscriptions without sharing a bank login. LemSubs accepts manual entries and statement files, Bobby keeps a manual list on iPhone, and Wallos can run on your own server. A file scan can flag recurring charges, but it cannot find a payment missing from the file.
In short
Five options here work without a live bank connection. Pick LemSubs for web access, statement import and a renewal calendar; Bobby for a simple iPhone list; Wallos if you want to host the tracker yourself. Manual entry remains useful for annual plans that are absent from recent statements.
Last reviewed 2026-09-16. First published 2026-05-02.
The ranking
| Rank | Tool | Score | Bank login | Free plan | Pricing |
|---|---|---|---|---|---|
| 1 | LemSubs | 36/40 | No | 10 subs | Free (10 subs); Pro $7.99/mo |
| 2 | Bobby | 35/40 | No | Unlimited | Free (one-time $1.99 unlock) |
| 3 | Subscriptions (Subly) | 32/40 | No | 5 subs | Free (5 subs); Pro $14.99/yr |
| 4 | Wallos (self-hosted) | 32/40 | No | Unlimited | Free (self-hosted) |
| 5 | TrackMySubs | 29/40 | Optional | 10 subs | Free (10 subs); paid from $10/mo ($99.99/yr) |
1. LemSubs
Most feature-complete no-bank-login tracker
Verdict: If you want a web-based register without granting account access, LemSubs combines manual entry, statement-file review, renewal dates and lifetime-deal tracking. It will not discover a new charge automatically after you save the list, so keep reviewing statements or receipts as your stack changes.
Strengths: No bank login or live transaction feed; CSV/paste import handles bank statements client-side (in your browser); Free plan covers 10 subscriptions; Pro is $7.99/mo.
Trade-offs: No automatic bank-feed detection; review imported matches yourself; PWA mobile, not native (web-first).
Best for: Anyone who wants every feature of a 'big' tracker (renewal calendar, exports, team workspaces, LTD tracking) without ever linking a bank.
Skip if: You want one-tap auto-detection from your bank — not what we do.
Pricing: Free (10 subs); Pro $7.99/mo (verified 2026-04-28). Bank login: No. Free plan: 10 subs.
2. Bobby
Best free + iOS-only
Verdict: Bobby is the answer when someone says 'I just want a list of what I'm paying for, on my phone, with reminders, without giving anyone my bank login'. It's been the indie favourite for years and it deserves to be. iOS-only is the only real catch.
Strengths: Unlimited subscriptions free; No account required; Beautiful native iOS.
Trade-offs: iOS only; No analytics or team features.
Best for: iPhone users who want the simplest possible no-bank tracker.
Skip if: You're on Android or want web access.
Pricing: Free (one-time $1.99 unlock) (verified 2026-04-28). Bank login: No. Free plan: Unlimited.
3. Subscriptions (Subly)
Native iOS with widgets
Verdict: Subly takes the same 'no bank login, ever' philosophy as Bobby and adds the things power users actually want: widgets, Family Sharing, more granular reminders. If you want to pay $14.99 once a year and never think about subscription tracking again on your iPhone, this is the one.
Strengths: Excellent home-screen widgets; Family Sharing supported; Manual-only by design.
Trade-offs: iOS only; Free tier capped at 5 subs.
Best for: iOS users who want home-screen widgets and Family Sharing.
Skip if: You're not on iOS.
Pricing: Free (5 subs); Pro $14.99/yr (verified 2026-04-28). Bank login: No. Free plan: 5 subs.
4. Wallos (self-hosted)
Open-source, you own the data
Verdict: Wallos is the answer for r/selfhosted. If 'no bank login' is one privacy axis you care about, 'no SaaS at all' is probably another, and Wallos lets you run the whole thing on your own hardware in 10 minutes. The web UI is solid; just don't expect a polished mobile app.
Strengths: Open source (GPL-3.0); Runs on infrastructure you control; Manual tracking without bank access.
Trade-offs: Requires hosting setup; No mobile app.
Best for: Self-hosters with a homelab or VPS.
Skip if: You don't want to run a Docker container.
Pricing: Free (self-hosted) (verified 2026-04-28). Bank login: No. Free plan: Unlimited.
5. TrackMySubs
Veteran web app, no bank link required
Verdict: TrackMySubs has been doing 'no bank login' subscription tracking longer than most of this list has existed. The UI is dated but the bones are solid: categories, currencies, team sharing, exports. Worth considering if you want a battle-tested web tool.
Strengths: Generous free tier (10 subs); Team features cheap; No bank link.
Trade-offs: UI feels dated; Mobile is weak.
Best for: Power users who want a pure-web tool with team sharing.
Skip if: You want a modern mobile-first experience.
Pricing: Free (10 subs); paid from $10/mo ($99.99/yr) (verified 2026-09-16). Bank login: Optional. Free plan: 10 subs.
How to find recurring charges without a bank connection
Start with the subscriptions you know: add each vendor, price, billing cycle and next renewal date. This catches plans paid outside a bank account too, such as an annual software licence or a shared family plan. A tracker can then put the dates and total cost in one place.
To find charges you forgot, download a statement from your bank or card provider and inspect it for repeating merchants. LemSubs can scan a statement file in your browser and let you review the possible subscriptions before saving any rows. It does not connect to your bank account or automatically see future transactions.
A recent statement will miss an annual renewal that did not occur in that period. Check a longer history and your app-store subscriptions, receipts and invoices as well. The five options below differ in file import, device support, reminders and whether you host the data yourself.
Quick answers
Can a service help me find subscriptions without sharing my bank login?
Yes. LemSubs lets you add subscriptions by hand or scan a bank or card statement file in your browser; you choose which matches to save. Bobby is a manual iPhone list, while Wallos runs on your own server. None requires a live bank connection. Check annual charges separately if they are absent from your recent statements.
How do I find my subscriptions without connecting my bank?
Download statements from your bank or card app, then scan the files for repeating merchants. LemSubs shows possible recurring charges for you to confirm before adding them. Review a longer history for annual payments, since a short statement period cannot contain a renewal that has not happened yet.
All five tools in this list have been verified to work end-to-end without linking a bank account.
Frequently asked questions
Why would I want a subscription tracker without a bank login?
A manual or file-based tracker lets you manage recurring charges without granting ongoing access to a bank account. You decide which subscriptions to add and which statement files to inspect.
Are there any auto-detect trackers that don't use Plaid?
Live detection needs access to a transaction source, such as a bank connection or email integration. A statement-file scan is different: it works on a file you supply and stops when that scan ends.
Can I import my bank CSV into LemSubs without sharing it?
Yes. LemSubs parses CSV and pasted statements entirely in your browser; the parsed text never leaves your device unless you explicitly save the resulting subscription rows.
Does Rocket Money work without bank login?
No. Rocket Money requires a Plaid bank connection — there is no manual-only mode. If that's a dealbreaker, choose any tool from this list.
Is Bobby really free with unlimited subscriptions?
Yes. The optional $1.99 unlock removes a small reminder limit but the core 'unlimited subscriptions, no account, no bank login' experience is free.
What changed since the last update
- 2026-05-02: First publication. 5 trackers verified to work without bank login.