Best Subscription Tracker NZ (2026)

In New Zealand the best subscription trackers in 2026 are LemSubs (NZD-native, manual, no bank access), Bobby (free on iPhone), and TrackMySubs (built in Australia, so its billing and support hours match NZ time zones). Plaid does not operate in New Zealand, so US bank-linking apps cannot read a NZ account.

In short

Best NZ pick with no bank access: LemSubs. Best free iPhone pick: Bobby. Best trans-Tasman option: TrackMySubs. Best self-hosted: Wallos. Tested August 2026 from a New Zealand account.

Last reviewed 2026-08-09. First published 2026-08-09.

The ranking

1. LemSubs

Best NZ pick — NZD-native, no bank access needed

Verdict: LemSubs wins in New Zealand mostly by default: the auto-detection apps simply cannot read a NZ bank account, so the real contest is between manual tools. Of those, LemSubs is the one that keeps GST separate and lets you split personal subscriptions from a side business in different workspaces.

Strengths: NZD plus multi-currency totals; GST column kept separate in exports; Works with no bank access.

Trade-offs: Manual entry or CSV import; No NZ bank feed.

Best for: New Zealanders who want NZD totals, GST-aware exports, and no bank connection at all.

Skip if: You want your subscriptions found for you — LemSubs is manual or CSV import.

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 New Zealand

Verdict: Bobby is the fastest way for a Kiwi on iPhone to see the whole list in one place. It never asks for bank access and it handles NZD like any other currency. Pair it with something web-based if you also work from a desktop.

Strengths: Free and unlimited; Stays on your phone, no account; NZD supported.

Trade-offs: iPhone only; No web version.

Best for: NZ iPhone users who want a free list of subscriptions in NZD with no signup.

Skip if: You use Android or want to open your list on a laptop.

Pricing: Free; one-time in-app unlock (verified 2026-08-09). Bank login: No. Free plan: Unlimited.

3. TrackMySubs

Trans-Tasman pick with the closest support hours

Verdict: TrackMySubs is the closest thing to a local paid option. Nothing about it is NZ-specific, but reminders land in NZ business hours and support answers in a working day rather than overnight. Check the current free-tier limit before you commit — it is small.

Strengths: Built in Australia, so support hours overlap NZ; Renewal reminders by email; No bank login.

Trade-offs: Small free tier; Interface feels older than newer apps.

Best for: New Zealanders who want a paid tracker built in the same time zone, with reminders before renewal.

Skip if: You want a free plan that covers more than a handful of subscriptions.

Pricing: Free tier; paid plans from a few USD per month (verified 2026-08-09). Bank login: No. Free plan: Limited.

4. Subly

Polished iPhone widgets, no account required

Verdict: Subly is the nicest-looking option on this list if you live on an iPhone. The widget is the reason to pick it: you see the next charge without opening anything. It stops being enough as soon as two people need the same list.

Strengths: Home-screen widgets; No signup, data stays local; Handles NZD.

Trade-offs: Apple only; No sharing with a partner.

Best for: NZ iPhone users who want a home-screen widget showing what is due next.

Skip if: You need web access or shared household lists.

Pricing: Free with a paid unlock (verified 2026-08-09). Bank login: No. Free plan: Limited.

5. Wallos

Best self-hosted pick in New Zealand

Verdict: Wallos suits the NZ home-server crowd. Zero recurring cost, full control, NZD supported. The trade-off is the same everywhere: you are the sysadmin, and there is no proper phone app.

Strengths: Free and open source (GPL-3.0); You hold the data; Multi-currency including NZD.

Trade-offs: You run the server; No native mobile app.

Best for: Technical users who want the data on their own machine, with no monthly fee.

Skip if: You do not want to run and update a Docker container.

Pricing: Free (self-hosted) (verified 2026-08-09). Bank login: No. Free plan: Unlimited.

New Zealand has almost no bank-linked options, so manual tracking is the default

New Zealand sits behind Australia and the UK on open banking. The Customer and Product Data Act became law in 2025 and banking is the first sector being designated, with the big banks phasing in standardised data sharing across 2026. Until that finishes, most bank data sharing in New Zealand runs through Akahu, a local aggregator that partners bank by bank, rather than through a regulated right you can point any app at.

The practical result for a New Zealander shopping for a subscription tracker: the auto-detection apps you read about in US reviews will not connect. Plaid has no New Zealand coverage, so Rocket Money, Copilot Money and Monarch Money cannot read an ANZ, ASB, BNZ, Kiwibank or Westpac NZ account. The apps that do read NZ bank data are local money apps, not dedicated subscription trackers.

That leaves two honest routes. Either use a manual tracker and accept five minutes of setup, or use a NZ-built money app such as PocketSmith, which is made in Napier and detects repeating transactions once you connect or import your accounts. PocketSmith is a full budgeting tool rather than a subscription tracker, so we describe it here instead of ranking it against focused trackers.

One local detail worth planning for: GST is 15% and many overseas subscriptions now charge it at checkout. If you claim subscriptions as a business expense, pick a tracker whose export keeps the GST amount as its own column rather than folding it into the total.

Plaid does not cover New Zealand. Every pick below works with NZD and a New Zealand billing address without touching your bank login.

Frequently asked questions

What changed since the last update

• 2026-08-09: First publication. 5 trackers usable from a New Zealand account, ranked.

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