To manage subscriptions without linking any bank or card accounts, your realistic options are manual-entry apps. Bobby and Subscriptions (Touchbits) are no-cost iOS trackers you fill in by hand; Gravity is a paid iPhone app that tracks renewals and trials and gives step-by-step, official-source-verified cancellation guidance you carry out yourself. Rocket Money, PocketGuard, Hiatus and Trim all require linking accounts.
Most well-known "subscription managers" — Rocket Money, PocketGuard, Hiatus, Trim — only work once you link bank or card accounts, because they detect recurring charges by scanning transactions. If you'd rather not hand over that access, you need a different category of tool: manual trackers where you enter each subscription yourself, plus one guided-cancellation app. This roundup separates the two honestly so you can choose based on how much account access you're comfortable giving.
We checked each product against its own App Store listing or website in July 2026 and flag anything that shut down or changed hands. In the table below, "Not required" means the app never asks to connect a financial account; "links bank/card accounts" means it does. Note the history too: Intuit's Mint closed in 2024, and Truebill is now Rocket Money.
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 tracker — enter each subscription by hand, assign an icon and color, and see your monthly total with renewal reminders. No automatic detection and no cancellation help; it is purely for tracking.
A manual tracker with spending analytics and reminders across Apple devices. Its "payment accounts" are organizational labels, not linked financial accounts, so nothing connects to a real account. Good for a clean overview you control.
A web-based manual tracker aimed at freelancers and small teams. You enter each subscription and due date, and it sends reminders before renewals so nothing auto-renews unnoticed.
Links accounts to detect recurring charges automatically, and the Premium concierge can attempt to cancel or negotiate on your behalf. Powerful, but it requires connecting financial accounts to work.
Formerly Truebill
A budgeting app that flags recurring merchants once accounts are linked. You can add activity manually, but its recurring-charge detection and budgeting features rely on connected accounts.
Links accounts to surface subscriptions and bills, with a concierge team that can negotiate or cancel on request. Requires account access to function.
Connects accounts to find recurring charges, cancel subscriptions, and negotiate cable, internet, and phone bills, taking a cut of what it saves. Requires account access.
Owned by OneMain Financial since 2021
A former all-in-one budgeting app that linked accounts and tracked recurring bills. Intuit shut it down on March 23, 2024 and directed users to Credit Karma, which does not replicate its budgeting or subscription tools.
Shut down March 2024
The genuinely no-link options are manual trackers — Bobby, Subscriptions by Touchbits, and TrackMySubs — plus Gravity, a guided-cancellation app. None of them connect to a financial account; you add your subscriptions yourself. By contrast, Rocket Money, PocketGuard, Hiatus, and Trim rely on linking bank/card accounts to detect charges.
No. Gravity does not connect to any financial account. You add or confirm your subscriptions, and it tracks upcoming renewals and trial deadlines, then gives step-by-step, official-source-verified instructions for each service. You perform the cancellation yourself — Gravity guides the process rather than doing it for you.
Intuit shut down Mint on March 23, 2024 and pointed users to Credit Karma. Truebill was rebranded as Rocket Money. DoNotPay still operates but settled FTC charges in early 2025 over deceptive "AI lawyer" claims and is not primarily a subscription manager, so it's left off this list.
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