Best Subscription Tracker in the Philippines (2026)
In the Philippines the best subscription tracker in 2026 is LemSubs — works with wallet payments because it needs no link. Plaid does not operate in the Philippines, so US bank-linking trackers cannot read a BDO account.
In short
Best Philippine pick: LemSubs. Cheapest paid option in PHP: Spendee at ₱242/mo. VAT is 12% on digital services from foreign providers sold to Philippine customers. Prices converted at 60.56 PHP/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 | Google Sheets template | 31/40 | No | Free template | Free |
| 3 | Bobby | 35/40 | No | Unlimited | Free; one-time in-app unlock |
| 4 | Spendee | 30/40 | Optional | Limited | Free tier; paid plans from about $3.99 USD/mo |
| 5 | Wallos | 32/40 | No | Unlimited (self-hosted) | Free (self-hosted) |
1. LemSubs
works with wallet payments because it needs no link
Verdict: It wins because the missing feature is not missing here. Nothing can read your wallet, so a link is worthless anyway. What you actually need is an early warning and a peso figure you can trust, and both are here.
Strengths: No link step to fail; Dollar price kept with a dated peso view; Alerts land before the charge.
Trade-offs: First setup is manual or CSV; Pro billed in dollars.
Best for: Filipino freelancers paying dollar tools from a wallet or card.
Skip if: You want charges found for you without typing.
Pricing: Free (10 subs); Pro $7.99 USD/mo (verified 2026-08-09). Bank login: No. Free plan: 10 subs.
2. Google Sheets template
the free start for wallet payers
Verdict: This is the right first step, and many people stop here happily. It costs nothing and it fits wallet spend as well as anything else. The failure mode is human. Nothing reminds you, so the file goes stale and a charge slips through.
Strengths: Free forever; Fine on a low-end Android; You can share it with a partner.
Trade-offs: No push or email warning; Peso figures need retyping.
Best for: Anyone testing the habit before paying for anything.
Skip if: You keep forgetting to open the file.
Pricing: Free (verified 2026-08-09). Bank login: No. Free plan: Free template.
3. Bobby
free iPhone list with local currency support
Verdict: Ranked third only because of hardware share. Android leads by a wide margin in the Philippines, so most readers cannot install it. iPhone owners should treat this as their number one free option.
Strengths: Free with no cap; Peso display works; Data sits on the phone.
Trade-offs: No Android version; No export.
Best for: iPhone users who want something in five minutes.
Skip if: You are on Android, which most people here are.
Pricing: Free; one-time in-app unlock (verified 2026-08-09). Bank login: No. Free plan: Unlimited.
4. Spendee
budget app with manual wallets
Verdict: Its manual wallet idea suits a country that pays by wallet, and that earns it a place. The catch is focus. It is a budget tool first, so future renewal dates get less care than past spending does.
Strengths: Nice manual wallet feature; Multi-currency; Runs on both phone types.
Trade-offs: Renewals are not the focus; Best parts are paid.
Best for: People who want budgets and subs in one app.
Skip if: Renewal dates are your main worry.
Pricing: Free tier; paid plans from about $3.99 USD/mo (verified 2026-08-09). Bank login: Optional. Free plan: Limited.
5. Wallos
free self-hosted tracker
Verdict: Good software, narrow audience. This country is phone-first, and a self-hosted web app is a poor phone experience. Choose it if you already run a server and enjoy that work.
Strengths: No cost; Open code; Currency support is solid.
Trade-offs: You maintain it; Phone use is awkward.
Best for: Developers with a spare server.
Skip if: You only use a phone.
Pricing: Free (self-hosted) (verified 2026-08-09). Bank login: No. Free plan: Unlimited (self-hosted).
Wallets, not banks, are the reason bank links fail here
Think about how you paid for your last app. Odds are it left GCash or Maya. That is the heart of the problem. Every tracker that brags about linking accounts is built to read cards and bank accounts. Wallet history is closed to them. So the link button either fails or shows a fraction of your spend. A manual list beats a half-empty feed.
There is a rail on paper. The central bank runs an open finance scheme, and it is growing slowly. It is opt-in for banks, and no consumer tracker uses it yet. Treat it as future news, not a buying reason. Judge tools today on alerts, currency handling and export.
Freelancers here have a third twist. Clients pay in dollars, tools bill in dollars, and living costs are in pesos. So the peso number you care about is a moving one. Keep the dollar price stored, show a dated peso total, and set alerts a few days early. That is the whole job.
Most app payments here leave a wallet like GCash or Maya, not a card account. No subscription tracker can read wallet history, so wallet users get nothing from bank-link features even when a bank rail exists (Bangko Sentral ng Pilipinas payment statistics; GCash and Maya app features, checked 2026-08-09.)
What that costs in PHP: LemSubs ₱484/mo, TrackMySubs ₱242/mo, Rocket Money ₱363/mo, Monarch Money ₱908/mo, Copilot Money ₱787/mo, YNAB ₱908/mo. Free options: Bobby, Subly, Wallos, Billio, SubscriptMe, Notion tracker template, Google Sheets template. ₱ figures converted on 2026-05-09.
Who you would actually compare us to in the Philippines: GCash — Most Filipinos pay for apps here. It lists past charges, not future renewals. Maya — Same as GCash. A wallet log, not a renewal calendar. Money Manager — A popular free expense app. You type everything, and it has no renewal view. Google Sheets — The default for Filipino freelancers billing clients abroad.
9 of the 16 trackers we price bill in USD, so what you pay in PHP moves with the exchange rate. Converted at 60.56 PHP per USD on 2026-05-09. Every pick works with PHP and a Philippine billing address without touching your bank login.
Frequently asked questions
What is the best subscription tracker in the Philippines?
LemSubs. It needs no bank or wallet link, keeps dollar prices, and shows peso totals with the rate date. On an iPhone, Bobby is a good free start.
Can any app read my GCash or Maya history?
No tracker can. Wallets do not share history with other apps. Add each charge once and let the tracker warn you before the next one.
How do I handle dollar tools on a peso budget?
Store the dollar price, not a peso guess. Then read your peso total next to the date of the rate, so a jump tells you the rate moved rather than the price.
Why can't Plaid apps see my Philippine bank account?
Plaid, MX, Finicity have no Philippine coverage, so trackers built on them cannot read a BDO, BPI, Metrobank account. The Philippines runs an Open Finance Framework through the central bank. It is opt-in and still small. Wallets carry most spend here, and wallet history is the hardest data for any tracker to reach.
Is VAT charged on my subscriptions in the Philippines?
Yes. VAT of 12% applies to digital services from foreign providers sold to Philippine customers. Pick a tracker that keeps VAT in its own export column so the amount stays visible for your accountant. Source: Bureau of Internal Revenue, Republic Act 12023 on digital services, checked 2026-08-09.
Do these prices include PHP conversion?
The PHP figures on this page are converted from the vendor's USD price at 60.56 PHP 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 Philippine account, with 16 tools priced in PHP.