For iPhone in 2026, Rocket Money and Copilot Money are the strongest automatic trackers, detecting recurring charges by linking bank and card accounts. Bobby is the best manual, no-linking pick. Gravity is a private, no-link app that tracks renewals and trials and gives verified, step-by-step guidance to cancel any service yourself.
Forgotten subscriptions are one of the easiest ways to leak money — a streaming trial that quietly renewed, a fitness app you stopped opening, a cloud plan you're paying for twice. A good iPhone subscription tracker surfaces every recurring charge and its renewal date so nothing auto-renews by surprise. The apps below take three different approaches, and the right one depends on how much account access you're comfortable giving.
Automatic trackers read transaction history to detect recurring charges, which means linking bank and card accounts. Manual trackers keep everything on-device but ask you to enter each subscription yourself. A third group tracks renewals and helps you cancel without linking any financial accounts at all. Here's an honest look at the leading options in 2026 — what each one costs, what it connects to, and what it actually does.
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.
Links bank and card accounts to detect recurring payments and group them on a subscriptions screen. Adds a concierge cancellation service and paid bill negotiation on top of full budgeting features.
Rebranded from Truebill in 2022
You enter each subscription by hand; Bobby shows your monthly and yearly totals, tracks renewal dates, and sends reminders before charges hit. Minimalist and on-device, with no account linking. It does not cancel for you.
automatically detects recurring charges from linked accounts and flags upcoming renewals as part of a polished, full-featured budgeting app. Canceling is left to the user.
iPhone/Mac-first; web app added late 2025 with fewer features
Analyzes linked-account transactions to surface recurring charges and provides cancellation instructions for ones you flag — it doesn't cancel on your behalf. Subscription tracking is a Plus feature, built around its 'In My Pocket' budgeting number.
Links bank and card accounts to find and organize recurring expenses, then offers a concierge service to help cancel unwanted subscriptions or negotiate bills.
Links accounts to identify recurring charges and can request cancellations or bill negotiations. Now folded into OneMain Financial's MyMoney, with features aimed primarily at OneMain customers.
Rebranded to OneMain MyMoney; independent subscription service ended
A broad 'AI consumer assistant' that, among many tasks, can help draft subscription cancellation requests. It is not a dedicated subscription tracker, and user reviews are mixed.
Settled FTC charges in Jan 2025 over deceptive 'AI lawyer' claims ($193K relief)
Formerly a widely used free budgeting app with subscription and bill tracking. Intuit shut it down and steered users to Credit Karma, which does not offer subscription or bill management.
Shut down March 2024
Most automatic trackers — Rocket Money, PocketGuard, Copilot Money, Hiatus — do, because they detect recurring charges by reading transaction history, which means linking bank and card accounts. Manual trackers like Bobby and no-link apps like Gravity do not: you either enter subscriptions yourself or the app tracks renewals without any account access.
Be cautious of that promise. Some apps offer a concierge that contacts providers on your behalf, but results vary and many cancellations still require your involvement. Other tools — including Gravity — surface the subscription and give you step-by-step instructions to cancel it yourself, which keeps you in direct control of the account.
Intuit shut down Mint in March 2024 and pointed users to Credit Karma, which does not offer subscription or bill management. Former Mint users who mainly want subscription tracking now tend to use apps like Rocket Money, Copilot Money, Bobby, or Gravity.
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