If you want to track subscriptions and cancel unwanted charges without linking any financial accounts, the strongest no-bank options in 2026 are Gravity (iPhone), Bobby, Subby, ReSubs, and the no-cost web tool LowerMySubs. All rely on manual entry instead of account access. Rocket Money itself, along with Hiatus and Trim, is built around linked accounts.
Rocket Money (formerly Truebill) is designed around linked accounts: it reaches its full value once you connect bank and card accounts, which is how it automatically detects recurring charges and powers its budgeting and cancellation concierge. Plenty of people would rather not hand an app that level of access. This roundup covers alternatives that work through manual entry or email-receipt scanning instead of account credentials, so you keep the renewal tracking and cancellation help without connecting anything.
A quick honesty note on what 'no bank linking' means: manual tools require you to add the services you pay for yourself, so they trade a little setup effort for privacy. We've also flagged tools people often search for that turn out to be defunct or renamed — Intuit shut Mint down in 2024, Truebill was renamed Rocket Money, and the original Trim has largely wound down — plus a couple of well-known apps that actually do require linking, listed for honest comparison rather than as no-bank picks.
A private iPhone subscription manager. You add the services you pay for, and it tracks renewal dates and trial deadlines, then gives official-source-verified, step-by-step guidance to cancel any service — you cancel, it guides. It never links financial accounts.
A long-running, minimalist iOS tracker. You add each subscription, pick its billing cycle, and get reminders before renewals. No account access at all, and data stays on your device.
A polished manual tracker with iCloud sync, home-screen widgets, family sharing, and renewal reminders. You enter subscriptions yourself; nothing connects to financial accounts.
A cross-platform, privacy-first subscription manager. Add items manually, import a CSV, or let it scan billing emails; it tracks renewals and includes step-by-step cancel guides. It never links financial accounts.
A free web audit tool with no sign-up. You list your recurring charges manually and it catalogs pricing, billing cycles, and renewal dates, then provides cancellation guides and negotiation scripts. No account access.
A subscription tracker you can use fully by manual or AI-assisted entry — log a subscription from text, voice, or a screenshot of a billing email. Account linking is offered but optional, so it can run without any account access.
A broader budgeting app centered on an 'in my pocket' spendable number. It is designed to link bank/card accounts, but you can add accounts and transactions manually if you prefer not to connect them.
Primarily a budgeting app; most features assume linked accounts.
A subscription-tracking and concierge bill-negotiation service. Its tracking and negotiation features depend on linked bank/card accounts, so it is not a no-bank option — included here for honest comparison.
Requires account linking; listed for comparison, not as a no-bank pick.
The original Trim savings assistant was acquired by OneMain Financial and largely wound down as a standalone consumer app, now surfacing as OneMain MyMoney. It relied on linked accounts to find and cancel subscriptions and negotiate bills.
Rebranded and wound down as a standalone app (2024–2026); required account linking.
Intuit shut Mint down in early 2024 and pushed users to Credit Karma, which lacks Mint's budgeting and bill-tracking features. Truebill did not shut down — it was renamed Rocket Money after being acquired by Rocket Companies. Both were bank-linked tools, which is exactly why privacy-minded users look for manual, no-linking alternatives.
You can create an account without linking, but Rocket Money's core value — automatic subscription detection, budgeting insights, and its cancellation and bill-negotiation concierge — depends on linked bank/card accounts. If you'd rather not grant that access, a manual tracker like Gravity, Bobby, Subby, or ReSubs covers renewal tracking and cancellation guidance without it.
DoNotPay still operates in 2026, but in February 2025 it settled FTC charges over exaggerated 'AI lawyer' claims (a $193,000 penalty) and now markets its capabilities more narrowly. Treat any automated-cancellation promises with caution and confirm the cancellation went through yourself, rather than assuming it was handled.
Gravity is made by Viral App Labs LLC. Competitor details are drawn from each provider’s own public information and can change; check the provider’s current site before deciding.
Gravity
Gravity helps you track subscription renewals, monitor free trials, and keep a clean list of what still needs attention.
Gravity