The best subscription manager app in 2026 depends on one choice: automatic detection through linked bank accounts, or privacy through manual entry. Bank-linked all-in-ones like Rocket Money, Copilot, and PocketGuard detect recurring charges from your transactions. Prefer to keep accounts unlinked? Gravity (iPhone) tracks renewals and trials and walks you through canceling any service, while Bobby and Subtrack offer simple manual lists.
"Subscription manager" really covers two different kinds of app. One kind links bank and card accounts to automatically detect recurring charges and, on paid tiers, cancel or negotiate them for you — that's the Rocket Money, Copilot, PocketGuard, and Hiatus camp. The trade-off is that you give a third party read access to your financial accounts. The other kind keeps your accounts out of it entirely: you add subscriptions yourself, and the app tracks renewals and reminds you before you're charged. Gravity, Bobby, and Subtrack sit in this camp.
This list is organized around that distinction rather than a single "winner," because the right pick depends on whether you value automation or privacy. We've also flagged products people still search for that are no longer viable — Intuit's Mint shut down in 2024, and Truebill is now Rocket Money — so you don't waste time on a dead app. Pricing and features change often; verify current details on each provider's own page before you commit.
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 |
| Rocket Money | Required — links bank/card accounts | iOS, Android, Web | Free tier available; Premium is pay-what-you-think-is-fair, roughly $7–$14/month. Bill negotiation charges 35–60% of the first year's savings. |
| Copilot Money | Required — links bank/card accounts | iPhone, iPad, Mac, Web | $95/year (about $7.92/month billed annually); 1-month trial; no free tier. A pricier monthly plan is offered in-app — check current pricing. |
| PocketGuard | Required — links bank/card accounts | iOS, Android, Web | $12.99/month, $74.99/year, or a one-time $149.99 lifetime option, with a 7-day trial; its pricing page no longer advertises a free tier. |
| Hiatus | Required — links bank/card accounts | iOS, Android, Web | Free tier available; Premium $10/month or $48/year (per hiatusapp.com/pricing), which includes subscription cancellation and bill negotiation. |
| Bobby | Not required — manual entry | iPhone, iPad | Free to track a limited number of subscriptions; one-time in-app packs ($0.99–$2.99) unlock unlimited tracking and extras. |
| Subtrack | Not required — manual entry | iPhone, iPad, Mac | Its site does not list a price — check the App Store listing for current pricing before downloading. |
| Trim (OneMain MyMoney) | Required — links bank/card accounts | Web (via a OneMain account) | Free for OneMain customers; bill negotiation charges a share of first-year savings. Check current pricing. |
| Mint (Intuit) | Discontinued (previously linked bank/card accounts) | Discontinued | Discontinued (was free) |
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.
An all-in-one budgeting and subscription app. It links financial accounts to automatically detect recurring charges and show upcoming renewals. On Premium, its cancellation assistant will contact a provider to cancel a subscription on your behalf after you flag it, and it offers a paid bill-negotiation service. A strong pick if you want automation and are comfortable linking accounts.
Formerly Truebill; acquired by Rocket Companies in December 2021 and rebranded to Rocket Money in 2022.
A polished personal-finance app for the Apple ecosystem (iPhone, iPad, Mac, and web — no Android). It links accounts, auto-categorizes transactions, and surfaces recurring subscriptions alongside full budgeting, cash-flow, and investment tracking. Best if you want complete budgeting rather than just a subscription list.
A budgeting app organized around an "In My Pocket" spendable number. Its recurring-payments tracker identifies subscription merchants from linked accounts and adds upcoming charges to a calendar so nothing catches you off guard. Good for people who want a simple spend-focused budget with subscription visibility built in.
A bill-and-subscription manager that links accounts to find recurring charges, track spending, and calculate net worth. It offers bill-negotiation and subscription-cancellation help as paid services. Aimed at people who want savings assistance layered on top of tracking.
A long-running, minimalist manual tracker. You enter each subscription with its cost, billing cycle, and a color or icon; Bobby shows your monthly total and sends renewal reminders. No account linking and no built-in cancellation guidance — it's a clean, private list of what renews when.
A privacy-friendly manual subscription tracker for Apple devices with automatic iCloud sync and Siri support. You add each subscription yourself, set reminders, and see totals across devices. Tracking and reminders only — no account linking and no cancellation walkthroughs.
Check the App Store for the latest version and current pricing before buying.
A money-saving service that links accounts to find and cancel recurring subscriptions and negotiate bills. It has been folded into OneMain Financial's MyMoney experience and is now geared toward OneMain customers rather than a standalone app.
Acquired by OneMain Financial in 2021 and rebranded under OneMain / MyMoney.
Once the most popular free budgeting app, Mint automatically detected recurring charges from linked accounts. Intuit shut it down and pointed users to Credit Karma, which doesn't replicate Mint's category budgeting or bill reminders. Included here only because people still search for it — it is no longer an option.
Shut down by Intuit on March 23, 2024; users were migrated to Credit Karma.
If you want charges found for you and don't mind linking accounts: Rocket Money is the default pick — the free tier surfaces recurring charges, and Premium (a pay-what-you-think-is-fair $7–$14/month) adds its cancellation concierge. Copilot Money is the better fit if you live on Apple devices and want real budgeting depth for $95/year, while PocketGuard suits people who mainly want a safe-to-spend number with subscription visibility attached.
If you refuse to link a bank account: Gravity is the pick when your goal is actually ending subscriptions — it tracks renewals and trial deadlines and gives official-source-verified, step-by-step cancellation walkthroughs for each service ($19.99/month or $59.99/year, iPhone). If you only want a tidy list with reminders, Bobby's one-time $0.99–$2.99 unlocks are hard to beat, and Subtrack adds iCloud sync across iPhone, iPad, and Mac. For a deeper look at iPhone-specific trackers, see /blog/best-subscription-tracker-app-iphone.
If you want someone to negotiate bills too: Rocket Money and Hiatus both attach negotiation to their tracking — Rocket Money charges 35–60% of the first year's savings, while Hiatus bundles negotiation into its $10/month or $48/year premium. For an honest breakdown of what these concierge services can and can't do, see /blog/apps-that-cancel-subscriptions-for-you.
The category churns fast, and older listicles are full of dead names. Mint has been gone since March 2024 — Intuit now describes it as "reimagined on Credit Karma," which drops Mint-style budgets. Truebill hasn't existed as a name since 2022; it's Rocket Money now. Trim's standalone app was retired after OneMain acquired it, and its remaining features are aimed at OneMain customers.
Moves we confirmed on official pages for this update: Hiatus now lists premium at $10/month or $48/year with cancellation and negotiation included; PocketGuard's pricing page shows only paid plans ($12.99/month, $74.99/year, or $149.99 lifetime) with a 7-day trial and no free tier advertised; and Copilot Money holds at $95/year with a 1-month trial and still has no Android app.
Every price, platform, and feature claim on this page was checked against the provider's own site — pricing pages, App Store listings, and help centers — on August 28, 2026. Where a company hides pricing or blocks retrieval (OneMain's Trim pages, for example), we say "check current pricing" rather than guess. There are no affiliate links here and no paid placements: Gravity is our app, it's labeled as ours, and each competitor's strengths are stated plainly.
Not all of them. Apps that automatically detect charges — Rocket Money, Copilot, PocketGuard, Hiatus, and Trim — link bank and card accounts to work. Manual trackers don't: Gravity (iPhone), Bobby, and Subtrack let you add subscriptions yourself, so nothing links to your accounts. The core trade-off is automation versus privacy.
Intuit shut Mint down on March 23, 2024 and redirected users to Credit Karma, which lacks Mint's budgeting and bill-reminder features. Truebill was rebranded as Rocket Money in 2022. Trim was acquired by OneMain Financial in 2021 and folded into its MyMoney service. DoNotPay still operates but settled FTC charges in 2025 over its "robot lawyer" marketing, so treat its cancellation claims with caution. If a guide still recommends Mint or Truebill by those names, it's out of date.
On iPhone, Gravity tracks renewal dates and trial deadlines and gives official-source-verified, step-by-step instructions to cancel any service — you do the canceling, it guides you — with no account linking and data kept on your device. Bobby and Subtrack are lighter manual trackers (reminders and monthly totals, but no cancellation walkthroughs). Gravity is $19.99/month or $59.99/year.
Only partly. Bank-linked managers like Rocket Money and PocketGuard catch whatever hits a linked card, but they miss subscriptions billed to accounts you don't connect and sometimes misread one-off charges as recurring. Manual apps like Gravity, Bobby, and Subtrack cover exactly what you add — including services billed through PayPal or a second card — but only what you remember to add. The most complete picture pairs your phone's built-in App Store subscription list with one tracker you keep current.
In 2026, anywhere from a couple of dollars to about $150. Bobby unlocks fully with one-time $0.99–$2.99 purchases; Hiatus premium is $10/month or $48/year; Rocket Money Premium is a pay-what-you-think-is-fair $7–$14/month; Copilot Money is $95/year; PocketGuard runs $12.99/month, $74.99/year, or $149.99 lifetime; and Gravity is $19.99/month or $59.99/year. Free tiers, where they exist, usually track charges but hold cancellation and negotiation features back.
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