The best budgeting apps that track subscriptions in 2026 are Quicken Simplifi ($3.99/month intro), Monarch Money, and YNAB — all bank-linked. Rocket Money is the pick if canceling subscriptions matters most, and Copilot Money leads for Apple households. Prefer not to link any accounts? Gravity is a private, iPhone-only manager that tracks renewals and walks you through canceling anything yourself, and Bobby keeps a simple manual list.
Most budgeting apps pull in your transactions and, as a side effect, surface the recurring charges and subscriptions hiding in them. But they differ a lot: some are full budgets (Quicken Simplifi, Monarch, YNAB), some are built specifically to find and cancel subscriptions (Rocket Money, Hiatus), and a couple track what you pay without ever linking an account (Gravity, Bobby). Almost all of them link bank/card accounts to work; the two that don't trade automatic detection for privacy and manual control.
Below, each app is checked against its own 2026 information for pricing, platforms, and whether it needs account access. We've also flagged the ones that are gone or renamed: Mint shut down in 2024, Truebill is now Rocket Money, and Trim has folded into OneMain. Prices are as of mid-2026 and vary by promotion and platform, so always confirm on the app's own site before subscribing.
Pricing and availability checked August 28, 2026
| App | Bank connection | Platforms | Pricing |
|---|---|---|---|
| Quicken Simplifi | Required — links bank/card accounts | iPhone, Android, Web | $3.99/month for the first year, billed annually (about $47.88); regular price $6.99/month billed annually. Check current promos. |
| Monarch Money | Required — links bank/card accounts | iPhone, Android, Web | Core $14.99/month or $99.99/year; Plus $199.99/year (annual billing only); 7-day trial |
| YNAB (You Need A Budget) | Links bank/card accounts (or manual/file import) | iPhone, Android, Web, Apple Watch | $14.99/month or $109/year; 34-day trial, no card required; college students get a 365-day trial |
| Copilot Money | Required — links bank/card accounts (demo mode available first) | iPhone, iPad, Mac, Web (no Android) | $95/year (about $7.92/month billed annually); 1-month trial and a demo mode before linking; a pricier monthly plan is offered in-app |
| PocketGuard | Required — links bank/card accounts | iPhone, Android, Web | $12.99/month, $74.99/year, or $149.99 lifetime; 7-day trial; no free tier |
| Rocket Money | Required — links bank/card accounts | iPhone, Android, Web | Free tier; Premium $7–$14/month (you choose); 7-day trial; bill negotiation charged at 35–60% of first-year savings |
| Hiatus | Required — links bank/card accounts | iPhone, Android | Free tier; Premium $10/month or $48/year (per hiatusapp.com/pricing) |
| Gravity(ours) | Not required | iPhone (iOS 17+) | $19.99/month or $59.99/year |
| Bobby | Not required | iPhone | Free; optional one-time in-app purchase for unlimited subscriptions |
A full budgeting app built around a personalized spending plan. Links bank/card accounts, tracks investments and net worth, and includes a recurring/subscription tracker that flags forgotten charges. Often cited in 2026 reviews as the best value among paid budgeting apps.
A comprehensive budgeting and net-worth app. Links bank/card accounts, tracks recurring bills and subscriptions, supports shared household access for couples, and includes an AI assistant. Became a leading Mint replacement after 2024.
A zero-based (envelope) budgeting method. Links bank/card accounts or lets you import transaction files. Subscriptions are handled as scheduled recurring transactions you budget for rather than automatically detected charges — the emphasis is proactive planning, not finding or canceling subscriptions.
A design-forward budgeting and net-worth tracker for the Apple ecosystem. Links bank/card accounts, uses AI to categorize transactions, and surfaces recurring subscriptions and price changes. iPhone, iPad, Mac, and Web only — no Android app.
A simpler budgeting app organized around an 'In My Pocket' number showing what's safe to spend. Links bank/card accounts, automatically identifies bills and subscriptions, and can help you track or trim them.
Free tier discontinued
Links bank/card accounts to detect recurring charges, then tracks spending, budgets, and net worth. Its signature feature is subscription management: Premium members can have Rocket Money attempt to cancel unwanted subscriptions or negotiate bills on their behalf. Free tier plus pay-what-you-want Premium.
Rebranded from Truebill in 2022
A subscription and bill manager that links bank/card accounts to surface recurring charges. The free tier tracks spending and subscriptions; paid Premium adds a bill-negotiation and cancellation concierge that contacts providers for you.
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 minimalist, manual subscription tracker. You enter each subscription and Bobby reminds you before it renews. No account linking and no budgeting features — just a private, at-a-glance list of what you're paying for. A close analog to Gravity, minus the step-by-step cancellation guidance.
Best overall value: Quicken Simplifi. At $3.99/month for the first year (billed annually; $6.99/month after), it's the lowest-priced full budget here, and its recurring-transactions watchlist surfaces subscriptions reliably. Monarch Money is the deeper all-in-one — worth the jump to $99.99/year if you want shared household budgets and net-worth tracking — and it's the most common landing spot for former Mint users.
Best if canceling matters most: Rocket Money. Its free tier lists recurring charges once accounts are linked, and Premium adds the concierge that contacts merchants for you. YNAB is the opposite philosophy: nothing is detected for you — you schedule each recurring cost and give it a job in the budget, which is why surprise renewals are rare for YNAB users and why its fans keep paying $109/year.
Best without linking accounts: Gravity (iPhone) if you want renewal and trial tracking plus verified, step-by-step cancellation guidance; Bobby if you just want a clean manual list with reminders. Neither touches a bank account — the trade-off is that you enter subscriptions yourself.
Mint's shutdown still shapes this category: Intuit closed it in March 2024 and now describes it as "reimagined on Credit Karma," but Credit Karma doesn't do category budgets — which is why Monarch, Simplifi, and Copilot absorbed so many former Mint users. PocketGuard, meanwhile, has gone fully paid: its pricing page now lists $12.99/month, $74.99/year, and $149.99 lifetime plans with a 7-day trial and no free tier advertised.
On current prices, all confirmed against official pricing pages for this update: Hiatus premium is $10/month or $48/year, Simplifi's intro rate is $3.99/month for the first year, Copilot is $95/year with a 1-month trial, and Monarch's Plus tier is $199.99/year on annual billing only.
All prices were pulled from each provider's own pricing page or App Store listing on August 28, 2026 — not from other roundups. Promotional intro rates (Simplifi's $3.99/month, Monarch's frequent first-year discounts) are labeled as intro rates, because they renew higher. No affiliate relationships influence the order: Gravity is our app, disclosed as ours, and it's listed for the no-bank-linking niche it actually serves rather than as a Mint-style budget.
Intuit shut Mint down on March 23, 2024 and pointed users to Credit Karma, which tracks accounts but doesn't offer full budgeting or subscription management. Truebill wasn't discontinued — it was rebranded as Rocket Money in 2022 and is still active. Trim, an older bill-negotiation tool, has been absorbed into OneMain's app and is no longer a standalone product worth signing up for. DoNotPay still operates but settled with the FTC in 2025 over overstated AI claims and isn't a budgeting app.
Gravity (iPhone) and Bobby. Both are manual: you add subscriptions yourself and the app tracks renewal and trial-end dates. Every other app here links bank/card accounts to automatically detect recurring charges. Manual apps can miss a charge you forget to enter, but they never need access to your financial accounts.
It varies. Rocket Money, Hiatus, and PocketGuard offer paid 'concierge' cancellation or bill negotiation, where they contact the provider on your behalf. Most budgeting apps only surface the charge and leave canceling to you. Gravity takes a middle path: it gives official-source-verified, step-by-step instructions for each service, but you do the canceling yourself.
For most people, Quicken Simplifi: it's the least expensive full budget on this list and it flags recurring charges once accounts are linked. Monarch Money is stronger for households sharing a budget, and Rocket Money is best when the end goal is canceling what turns up. If you don't want to link accounts at all, the honest answer is that no full budgeting app fits — use a private tracker like Gravity or Bobby instead.
Yes, but differently. YNAB has no subscription-detection feature; you create a scheduled recurring transaction for each subscription and budget for it ahead of time. That makes surprise renewals rare — the money is already assigned — but it won't discover charges you forgot about the way Rocket Money or Simplifi can. YNAB is $14.99/month or $109/year with a 34-day trial.
Of the apps on this list, Quicken Simplifi is the lowest-priced full budget at $3.99/month for the first year (billed annually; regular price $6.99/month). Rocket Money's free tier lists recurring charges at no cost if you're comfortable linking accounts, and Bobby tracks manually for a one-time $0.99–$2.99 unlock. Judge by the renewal price, not the intro rate — intro pricing is common in this category and every plan renews higher.
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