You can track and cancel subscriptions without linking a single bank account — no aggregators, no credentials, no read access to your spending. The strongest no-linking Rocket Money alternatives in 2026 are Gravity (iPhone), Bobby, Subby, ReSubs, and the no-cost web tool LowerMySubs — all built on manual or email-based entry instead of account access. Rocket Money itself, along with Hiatus and Trim, is designed 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.
Pricing and availability checked August 28, 2026
| App | Bank connection | Platforms | Pricing |
|---|---|---|---|
| Gravity(ours) | Not required | iPhone (iOS 17+) | $19.99/month or $59.99/year |
| Bobby | Not required — manual entry only | iPhone (iOS) | Free to download; optional one-time in-app purchase (about $2) for unlimited subscriptions |
| Subby | Not required — manual entry only | iPhone (iOS 17+) | Free to download; Subby Plus in-app purchases are listed at $9.99 in the App Store — check the listing for current options |
| ReSubs | Not required — manual, Gmail import, or photo/document import | iPhone, Android | Free tier; Premium unlocks unlimited subscriptions (its site doesn't publish the price — check in-app) |
| LowerMySubs | Not required — no account, no login | Web (any browser) | Free core audit (no sign-up); an optional paid Pro tier adds cloud sync and renewal reminders |
| Finny | Not required — its site states it never connects to your bank; data stays on-device by default | iPhone (iOS) | Free tier (manual tracking, custom categories, offline support); Finny Pro adds AI-assisted entry and cloud sync — check current pricing |
| PocketGuard | Optional — built around linking bank/card accounts, but supports manual entry | iPhone, Android, web | $12.99/month, $74.99/year, or $149.99 lifetime; 7-day trial; its pricing page no longer advertises a free tier |
| Hiatus | Required — links bank/card accounts | iPhone, Android, web | Free tier; Premium $10/month or $48/year (per hiatusapp.com/pricing) |
| Trim (now OneMain MyMoney) | Required — links bank/card accounts | Web | Check current pricing |
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 renewal reminders, spending totals, and quick editing. You enter subscriptions yourself; nothing connects to financial accounts.
A cross-platform, privacy-first subscription manager. Add items manually from its large preset library, import from Gmail, or extract subscriptions from a photo of a bill; it tracks renewals and sends reminders. Its site states your data stays on your device, with no bank access needed.
A free web audit tool with no sign-up. You list your recurring charges manually (or upload a bank-statement CSV/PDF) and it catalogs pricing, billing cycles, and renewal dates, then provides cancellation guides and negotiation scripts. On the free tier, data stays in your browser. No account access.
An expense and subscription tracker built around fast, AI-assisted entry — log a subscription from text, voice, or a photo of a receipt or billing email. It runs fully offline on the free tier, with no bank connection involved.
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.
If the goal is getting out of subscriptions: Gravity. Beyond renewal and trial-deadline tracking, it gives official-source-verified, step-by-step cancellation walkthroughs for each service — the piece most manual trackers skip. It's iPhone-only, $19.99/month or $59.99/year.
If you just want a clean list and reminders: Bobby (small one-time unlocks, long track record) or Subby (modern iOS 17 interface, $9.99 in-app purchases). If you want help entering everything: ReSubs can pull subscriptions from Gmail or a photo of a bill on iPhone and Android, and LowerMySubs is the fastest zero-signup audit — list what you pay in the browser and it hands you cancellation guides at no charge.
If you might want linking later: Finny works fully offline today with optional cloud features in its Pro tier, and PocketGuard can technically run on manual entry but is really built for linked accounts — expect friction if you never connect.
The honest trade-off: no-linking trackers can't discover charges you've forgotten — the discovery step is you, checking statements or your phone's built-in subscription list. What you get back is structural: no aggregator holds a live token to your bank, no third party stores your transaction history, and there's nothing to migrate when a tracker changes hands. Given how often this category consolidates — Truebill into Rocket Money, Trim into OneMain, Mint into Credit Karma — that last point is less theoretical than it sounds.
Checked against official listings for this update: Subby is iPhone-only (iOS 17+) with $9.99 Subby Plus purchases; ReSubs added photo and document import alongside Gmail import; Finny's free tier covers manual tracking, custom categories, and offline use, with AI-assisted entry in its Pro tier; and LowerMySubs added an optional paid Pro tier (cloud sync and reminders) while keeping the audit itself sign-up-free. On the linked-account side, Hiatus premium now lists at $10/month or $48/year, and PocketGuard's pricing page no longer advertises a free tier.
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 the FTC finalized an order against it in January 2025 over exaggerated 'AI lawyer' claims ($193,000 in relief), and it 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.
Yes — that's this entire category. Manual trackers (Gravity, Bobby, Subby) work from what you enter; ReSubs can also read billing emails you grant it access to; LowerMySubs runs in your browser with no sign-up at all. None of them ever see your bank credentials. The trade-off is discovery: check your card statements or your phone's built-in subscriptions screen once to build the initial list, then keep the tracker current as you sign up for new services.
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