Four subscription managers genuinely require no bank or card link, and the choice between them comes down to what you want back. Pick Bobby for a tidy iPhone list with renewal reminders at minimal cost; Subscriptions by Touchbits for the same across iPhone, iPad, Mac and Vision Pro with spending analytics; TrackMySubs if you want it in a browser with folders and team access; and Gravity, the paid iPhone app, if you also want trial deadlines and step-by-step, official-source-verified cancellation instructions for each service. Rocket Money, PocketGuard, Hiatus and Trim are listed below for contrast — all four need connected accounts to work at all.
This is the pick list. Of the subscription managers that work with nothing connected, four are worth considering in 2026, and choosing between them is a question of platform, price, and whether you want cancellation help or only a tracker. Everything below those four is here for contrast: Rocket Money, PocketGuard, Hiatus and Trim identify recurring charges by reading linked transactions, which is precisely the access you are trying to avoid.
If your question is the broader one — whether managing subscriptions works at all with no account connected, and what you give up by insisting on it — that is answered at /alternatives/subscription-manager-without-bank-account. If you are leaving Rocket Money specifically, /alternatives/rocket-money-alternatives-without-bank-linking covers that swap. 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.
| App | Bank connection | Platforms | Pricing |
|---|---|---|---|
| Gravity(ours) | Not required | iPhone (iOS 17+) | $19.99/month or $59.99/year |
| Bobby | Not required — you add each subscription manually | iPhone, iPad | Free; a one-time in-app purchase unlocks extras (check current pricing) |
| Subscriptions – Track Expenses (Touchbits) | Not required — manual entry | iPhone, iPad, Mac, Apple Vision Pro | Free; Pro in-app purchase (~$2.99/year or ~$8.99 lifetime, approx.) |
| TrackMySubs | Not required — manual entry | Web browser (plus iOS/Android) | Free for up to 10 subscriptions; paid tiers from ~$6/month (check current pricing) |
| Rocket Money | Required — links bank/card accounts | iPhone, Android, Web | Free tier; Premium "pay-what-you-think-is-fair" roughly $7–$14/month (check current pricing) |
| PocketGuard | Required for automatic detection — links bank/card accounts (manual entry also possible) | iPhone, Android, Web | Free tier; Plus ~$12.99/month or ~$74.99/year (check current pricing) |
| Hiatus | Required — links bank/card accounts | iPhone, Android, Web | Free tier; premium plus concierge bill negotiation — check current pricing |
| Trim | Required — links bank/card accounts | Web | Free to start; typically takes a share of negotiated savings (check current pricing) |
| Intuit Mint | N/A — service discontinued | Discontinued | Discontinued |
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
It depends on your platform and on whether you want cancellation help. Bobby and Subscriptions by Touchbits are manual trackers for Apple devices: you add each subscription and they remind you before it renews. TrackMySubs does the same in a browser and adds folders and team access, which suits freelancers with client tools to track. Gravity is the paid iPhone option and the only one of the four that also supplies official-source-verified, step-by-step cancellation instructions for each service — you carry the cancellation out yourself. None of the four connects to a financial account; Rocket Money, PocketGuard, Hiatus and Trim all do.
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