Best subscription tracker apps in 2026

Six trackers worth your time, split by the only choice that really matters: whether the app reads your bank feed or you enter subscriptions yourself. Every price and feature below was read off the company's own page on August 12, 2026 and is dated in the table.

By the Subby team·Last updated August 12, 2026

How to read this list

Every tracker answers one question first: where does the list come from? Either the app reads your bank and card transactions and infers the recurring ones, or you type them in yourself. Charts, reminders, widgets and especially the price all follow from that one choice.

Every competitor claim below was read off that company's own page on the date in its cell, with the source linked. Prices move; check before you pay.

The comparison

Rocket Money

The benchmark for discovery: link your accounts and it surfaces charges you couldn't have listed from memory, then hands the cancelling to a human on Premium — nothing else here makes the phone call for you. Choose Rocket Money if that's worth both a bank connection and a recurring fee for the tool that reduces recurring fees.

Emma

The strongest option here if you're in the UK: FCA-regulated open banking across your accounts, with subscriptions as one panel of a picture that also covers budgets, credit and rent reporting. Choose Emma if you want a whole UK money dashboard — accepting that you can't use it at all without connecting an account.

SubTracker

The clearest privacy statement of the bank-free group, and it backs it where it counts: free CSV and JSON export on every plan. Family workspaces suit a household tracking together. Choose SubTracker if you want a shared web workspace and don't mind that a manual tracker with no bank connection still bills monthly.

ReSubs

Polished on both phones, heavily localised, and one of the few here with a one-time route instead of only a subscription; the cancellation-guide library is genuinely useful mid-cleanup. Choose ReSubs if you want a cross-platform app in your own language — and check the free cap first, because free ends at a number of subscriptions rather than at a feature.

Bobby

The app that defined how a subscription tracker should look, and it has aged well: fast, quiet, entirely manual, priced as small one-time packs, and running onto Mac and Apple Vision. Its limit is permanent — no Android version. Choose Bobby if you're all-Apple and care about craft more than cross-platform.

Subby

Manual-first by design. You add from 600+ built-in services, or point PRO's screenshot import at a confirmation email and let it read the service, price and cycle for you to confirm. Reminders keep firing for a week after a date you ignored, and the home-screen widget shows what's next and what this month costs — none of it needs an account.

The honest limits: Subby can't auto-detect anything, because it never sees your transactions — that's the trade, not an oversight. The free tier shows ads. PRO is bought per store, so a Play unlock doesn't carry to the App Store; your list does move between phones, via your own Google Drive backup. And the iOS app isn't live yet. Choose Subby if you know roughly what you pay for, want reminders and a widget without a bank login, and would rather pay once than monthly.

Rocket Money alternatives

People searching for a Rocket Money alternative almost always want one of two things, and the table splits along both.

• The same idea without the bank connection. That rules out the aggregators and leaves the manual group — SubTracker, ReSubs, Bobby and Subby. You lose automatic discovery and keep your transaction history to yourself.
• The same idea without another monthly bill. That leaves the one-time routes: Bobby, Subby, and ReSubs' lifetime tier.

What the manual group can't replace is the cancellation service — none of them cancels anything on your behalf. If that concierge is why you're looking, you want a bank-linked app.

So which one?

If you can't name what's charging you, a bank-linked app earns its access. If you know your list and need the dates, choose from the manual group on pricing model and platform. There's no single best tracker here — only the one matching which half of the problem you actually have.

Product names are used for identification only. Every competitor figure above is dated in its cell and linked to the company's own page; we re-verify quarterly.