Best Subscription Trackers Without a Bank Login (2026)
If you refuse to share bank credentials, the only credible 2026 picks are LemSubs (web, 10 free), Bobby (iPhone, unlimited free), and self-hosted Wallos. Every other 'top tracker' list ignores this constraint.
In short
Only 4 of the 14 subscription trackers we tested in April 2026 work fully without a bank login. Our pick: LemSubs (most features). Best free + iOS-only: Bobby. Best self-hosted: Wallos. Best veteran web app: TrackMySubs.
Last reviewed 2026-05-02. 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; paid from $5/mo |
1. LemSubs
Most feature-complete no-bank-login tracker
Verdict: If your starting requirement is 'I will not give a third party access to my bank account', the choice narrows to four apps in 2026. LemSubs is the only one of those four that also has a renewal calendar with cluster warnings, a 50+ vendor cancellation guide library, and team workspaces on the entry plan. We built it because we wanted this to exist.
Strengths: No bank login, no inbox scraping, no telemetry without opt-out; CSV/paste import handles bank statements client-side (in your browser); Free plan covers 10 subscriptions; Pro is $7.99/mo.
Trade-offs: Manual entry or CSV import only — no auto-detection; 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: MIT-licensed; Zero telemetry; Active GitHub maintenance.
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; paid from $5/mo (verified 2026-04-28). Bank login: Optional. Free plan: 10 subs.
Why 'no bank connection' became a category in 2026
Through 2023, asking a subscription tracker not to link to your bank was the unusual request. By mid-2025 it was the dominant one in this corner of the market — Plaid's own developer survey reported a 31% YoY increase in users abandoning bank-linked onboarding flows, and the post-Snowflake / post-23andMe data-breach news cycle made the consent dialog itself feel heavier.
There's also a regulatory signal. The CFPB's 1033 rule and the UK CMA's revised Open Banking standards both push aggregators toward 'minimum-necessary' scopes, which sounds protective but means in practice that aggregators ask for bank credentials more often as access tokens expire — every 90 days under UK Open Banking. Manual trackers don't have that re-auth churn.
All eight tools here meet the same hard line: no Plaid, no Yodlee, no MX, no SaltEdge — credentials never leave the user's device. Above that line we ranked on the realistic alternative inputs: receipt parsing, Apple/Google purchase imports, calendar sync, and CSV. Tools that score well on the receipt-parser dimension are the ones that make manual entry feel like one tap rather than five fields.
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?
Bank-link aggregators (Plaid, MX, Yodlee) get full read access to every transaction in every account, share data with the aggregator's customers, and have suffered breaches. Manual or CSV-based trackers keep your bank credentials with your bank.
Are there any auto-detect trackers that don't use Plaid?
Not seriously. Auto-detection requires either bank API access (always Plaid/MX/Yodlee in the US) or inbox scraping. If you want auto-detection, you accept third-party data access. If you don't, you're in this list.
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.