The most thorough subscription audit pairs two free methods — reviewing 6–12 months of card statements and checking your phone's built-in subscription list — with a dedicated tracker. Bank-linked apps like Rocket Money and Monarch Money automate the discovery step; Gravity is a private iPhone option that tracks renewals and trials and gives verified, step-by-step cancellation guidance without linking accounts.
A subscription audit means finding every recurring charge you're paying for, deciding which ones still earn their place, and cancelling the rest. Forgotten trials that quietly convert to paid, and services you signed up for once and never used again, are the usual money leaks. There's no single "best" approach — the right one depends on how much you weigh privacy, automation, and thoroughness.
Below we cover both DIY methods (free and privacy-preserving) and dedicated apps. Bank-linked tools automate discovery by scanning linked accounts for recurring charges; manual and guided tools keep your financial data off third-party servers. We verified each product's status, platforms, and pricing from its own listing as of July 2026, and flagged the ones that have shut down or changed hands.
Review your card and bank statements by hand
The most thorough method and the foundation of any audit: pull 6–12 months of statements, highlight every recurring or annual charge, and cancel each one directly with the merchant. It catches card-direct subscriptions that app stores never see (gyms, news sites, SaaS trials). The trade-off is time, and it's easy to overlook a charge billed under an unfamiliar descriptor.
- Bank connection
- Not required
- Platforms
- Any device (statements, spreadsheet, or paper)
- Pricing
- Free
Check the built-in subscription list on your phone
On iPhone, Settings > your name > Subscriptions lists everything billed through the App Store; on Android, the Play Store's Payments & subscriptions does the same. Instant, free, and lets you cancel in a couple of taps. Limitation: it only shows subscriptions billed through the app store, not ones charged straight to a card.
- Bank connection
- Not required
- Platforms
- iPhone (Settings) and Android (Google Play)
- Pricing
- 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.
- Bank connection
- Not required
- Platforms
- iPhone (iOS 17+)
- Pricing
- $19.99/month or $59.99/year
Links bank and card accounts to detect recurring charges automatically, then offers a cancellation-concierge feature and optional paid bill negotiation. Strong automation and the most widely used option, but it needs access to your linked accounts to work.
- Bank connection
- Required — links bank/card accounts
- Platforms
- iOS, Android, web
- Pricing
- Free tier; Premium ~$7–$14/mo (pay-what-you-want). Bill negotiation costs 35–60% of first-year savings if successful
Rebranded from Truebill in 2022
A full budgeting and net-worth app that links bank/card accounts and surfaces recurring charges as part of cash-flow tracking. A popular Mint replacement — best if you want subscription visibility inside a broader budgeting tool rather than a standalone canceller.
- Bank connection
- Required — links bank/card accounts
- Platforms
- iOS, Android, web
- Pricing
- Core $14.99/mo or $99.99/yr; Plus $199/yr (7-day trial)
A budgeting app built around an "in my pocket" spendable number that links bank/card accounts and flags recurring subscriptions within its budget view. Good for people who want spending guardrails alongside subscription tracking.
- Bank connection
- Required — links bank/card accounts
- Platforms
- iOS, Android, web
- Pricing
- Free tier; Plus $12.99/mo, $74.99/yr, or $149.99 lifetime (7-day trial)
Links bank/card accounts to find recurring bills and subscriptions, then helps you cancel what you don't need. Unlike some rivals it charges a flat fee for bill negotiation rather than a percentage of savings.
- Bank connection
- Required — links bank/card accounts
- Platforms
- iOS, Android
- Pricing
- Free tier; Premium ~$9.99/mo or $35.99/yr — App Store listing may differ, so check current pricing
A minimalist, privacy-first tracker where you manually add each subscription and it shows your total daily/monthly/yearly cost. No accounts, no linking, works offline. Great for a clean overview, but it only tracks what you remember to enter and has no cancellation guidance.
- Bank connection
- Not required (manual entry)
- Platforms
- iPhone (iOS 14+)
- Pricing
- Free; one-time in-app packs $0.99–$2.99
Analyzes linked account transactions to find recurring subscriptions and can cancel some for you. Note the current restriction: its subscription-cancellation feature is now geared toward OneMain/Brightway customers, so verify eligibility before relying on it.
- Bank connection
- Required — links bank/card accounts
- Platforms
- Web
- Pricing
- Subscription cancellation offered free; bill negotiation for a fee
Rebranded toward OneMain MyMoney; automatic cancellation is now limited to OneMain/Brightway loan or card customers
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