Subby vs SubTracker
Neither app asks for your bank login, and you add each subscription yourself either way. SubTracker is a browser workspace you sign up for, with paid plans billed monthly and a lifetime option. Subby is a phone app with no account, a free tier that tracks everything, and a PRO unlock you pay for once.
The short version
SubTracker and Subby agree on the part most trackers get wrong. Neither one connects to your bank, and you type each subscription in yourself, which is what it takes to track subscriptions without linking a bank account. A list you typed by hand is only as complete as your memory. From there they part company. SubTracker asks you to sign up, and in return you get a workspace that opens in any browser, free at the entry tier and billed monthly above it, with a lifetime option as well. Subby has no sign-up screen and stays on your phone. The tracker is free to use, and PRO is a single purchase.
Side by side
| Subby | SubTracker | |
|---|---|---|
| Price model | Free with ads, tracking everything with no cap. PRO is a one-time purchase, so nothing renews. | Free “$0 forever”; Plus “$5.90 per month”; Family “$9.90 per month”; plus a limited lifetime offer at “$129 one-time” listed against “$79.00/year”. subtracker.io verified Aug 12, 2026 |
| How you use it | A native app on your phone. Android since 2017 on Google Play, iPhone since August 2026 on the App Store. | A web app in the browser, plus a mobile PWA. Its pricing page says “No App Store needed”. subtracker.io verified Aug 12, 2026 |
| Account | None. No sign-up, no email, no password. | Sign-up required to use the tracker. subtracker.io verified Aug 12, 2026 |
| Bank connection | Never. Entries come from 600+ built-in presets or AI screenshot import (a PRO feature). | Not required. Its own copy: “SubTracker never links to your bank and holds no transaction history.” subtracker.io verified Aug 12, 2026 |
| Built-in services | 600+ service logos bundled in the app, each with its brand colour. | “130+ popular services pre-loaded”. subtracker.io verified Aug 12, 2026 |
| Currencies | 46, with exchange rates kept up to date from our server. | “25+ currencies”. subtracker.io verified Aug 12, 2026 |
| Where your list lives | On your device. Optional automatic weekly backup to your own Google Drive, or iCloud on iPhone, with the last three kept. No server-side copy of your list. | In the account you sign up for, reachable from any browser. subtracker.io verified Aug 12, 2026 |
| Localization | The app ships in 31 languages. Russian, Simplified Chinese, Czech, Thai, Ukrainian, Hebrew, Hindi, Greek, Hungarian and Malay are the newest. | Site published in English and German, including a full German cancellation section. subtracker.io verified Aug 12, 2026 |
Give SubTracker its due
SubTracker gets the big one right. It does not want your bank login, and its own words are “SubTracker never links to your bank and holds no transaction history.” That is the correct answer, and most of this category gives a different one. A long feature list usually comes from reading your transactions. We go through what that buys and what it costs in Subby vs Rocket Money.
It also does things a phone app doesn’t. A browser workspace with up to ten members, shared tracking and role-based access is a different product for a household or a small team. Its knowledge base and cancellation guides are worth reading even if you never sign up. Both apps are in our roundup of the best subscription tracker apps in 2026, filed on the same side of the bank-feed question.
Subby as the SubTracker alternative
- No sign-up screen. A subscription tracker without an account means no password to reset and no list sitting in someone else’s database. Your subscriptions live on your phone.
- The tracking part is free. Add, edit, categorize, pause and archive without limits, and Reminders, Insights and the payments log come with it. Ads fund the free tier, and PRO switches them off.
- You buy PRO once. There is no plan to remember and no renewal to diary. PRO adds automatic weekly cloud backup to your own Drive, the home-screen widget, service icon requests and AI screenshot import. You give it a screenshot, the AI reads back the name, price and cycle, and nothing saves until you confirm.
- A reminder per subscription. You choose when it arrives, from same-day to a week ahead, or any custom lead time. An unpaid due date keeps it coming for another seven days.
- Cycles that match the invoice. Weekly through yearly presets, plus custom cadences like “every 45 days”. Each next date comes from the previous due date, so a series never drifts.
The unlock does not cross stores. Subby PRO is one payment, and buying it on Google Play doesn’t unlock PRO on the App Store, or the other way round. Your list still travels between iPhone and Android through your own Google Drive backup.
Choose SubTracker if…
you want your subscriptions in a browser on any machine, you need several people in one shared workspace with roles, or the reporting, attachments and email reminders on its paid tiers are worth a monthly bill to you.
Choose Subby if…
you want the same distance from your bank without signing up for anything, you like the whole list on the phone with a notification before each charge, and you’d rather have a subscription tracker you pay for once than another monthly line on the statement you’re trying to shrink. Subby is on the App Store as well, but it stays a phone app, so the browser on your laptop is SubTracker’s ground.
Product names above belong to their owners and are used here only to identify the products being compared. Every competitor fact was read off a public listing or the company’s own site on the date shown in its cell, and this page is re-checked quarterly.
Skip the sign-up and the monthly plan
Free to use, ads and all. One PRO payment removes them, and the unlock stays on the store you bought it from.
Free · No account · No bank login