The best subscription tracker apps in 2026

The best subscription tracker in 2026: Rocket Money for automatic bank-linked tracking, Gravity for private manual tracking on iPhone without bank access. Rocket Money links your bank and card accounts and builds the list from your transactions; its free tier covers basic tracking. Gravity is a paid, fully private manual tracker — you add the services you pay for, and it tracks renewal dates and trial deadlines, then gives step-by-step, official-source-verified guidance to cancel any service yourself; it never links financial accounts. Copilot Money and PocketGuard fit best if you want full budgeting around your subscriptions, and Bobby covers a simple manual list.

The right subscription tracker comes down to one question: do you want automation that connects to your bank, or a private app that keeps your financial accounts out of it? Below, six trackers across iPhone, Android, and the web — compared by price, bank-connection requirement, platform, and how each one actually tracks — plus how trackers differ from cancellation apps.

Pricing and platform details checked August 28, 2026

App	How it tracks	Bank connection	Platforms	Pricing
GravityThis app	You add each subscription; data stays on-device	None, fully manual and on-device	iPhone	Paid: $19.99/mo or $59.99/yr (no free tier)
Rocket Money	Detects recurring charges from linked accounts	Required, links your bank/card accounts	iOS, Android, web	Free tier; Premium ~$7–$14/mo (pay what you think is fair)
Copilot Money	Flags recurring charges from linked accounts	Required, links your accounts	iPhone, iPad, Mac, web	$95/yr (about $7.92/mo billed annually); trial available
Bobby	You enter each subscription by hand	None, fully manual	iPhone (plus Apple-silicon Macs)	Free to download; one-time purchases (~$0.99–$2.99) unlock extras
PocketGuard	Surfaces recurring charges from transactions	Required, links your bank/card accounts	iPhone, Android, web	Plus: $12.99/mo, $74.99/yr, or $149.99 lifetime; 7-day trial
Hiatus	Finds recurring expenses from linked accounts	Required, links your bank/card accounts	iPhone, Android, web	Premium $10/mo or $48/yr on the web; App Store pricing can differ

Competitor pricing and platforms checked against each provider's official site or App Store listing on August 28, 2026. Details change — confirm with the provider before you buy. We only include the real App Store pricing for Gravity.

1. Gravity

Best for: Privacy-first, manual tracking on iPhone

A private subscription manager for iPhone. You add subscriptions manually (or import from a screenshot or statement you provide, processed on-device), and Gravity tracks renewal dates, flags free trials before they convert, and gives step-by-step, AI-guided cancellation help. No bank account connection required; data stays on your device.

Download Gravity

2. Rocket Money

Best for: Automated, bank-linked tracking and bill negotiation

Formerly Truebill — acquired by Rocket Companies in December 2021 and rebranded in August 2022. Rocket Money connects to your bank and card accounts to detect recurring charges and group them on one screen, and its free tier covers basic subscription tracking. Premium — priced pay-what-you-think-is-fair, roughly $7–$14/month — adds concierge cancellation help and a bill-negotiation service that keeps 35–60% of the first-year savings it negotiates.

3. Copilot Money

Best for: Budgeting power users in the Apple ecosystem

A polished budgeting app for iPhone, iPad, Mac, and the web that links your accounts, categorizes every transaction, and flags recurring charges and upcoming renewals along the way. Strong for people who want full budgeting, not just subscription tracking. Pricing is $95/year (about $7.92/month billed annually) with a trial before you commit; there is no Android version.

4. Bobby

Best for: A simple, free manual list on iPhone

A long-running, lightweight manual tracker: you enter each subscription by hand and Bobby shows your monthly total, tracks renewal dates, and sends reminders before charges hit. It is free to download, with small one-time in-app purchases (roughly $0.99–$2.99) to unlock unlimited subscriptions and extras — no subscription of its own, and no account linking. There is no cancellation guidance beyond the list itself.

5. PocketGuard

Best for: Budget-first tracking across iPhone, Android, and web

A budget-first app for iPhone, Android, and the web that surfaces recurring charges from linked-account transactions and shows cancellation instructions for subscriptions you flag — it does not cancel on your behalf. Subscription tracking sits inside its broader budgeting view. PocketGuard Plus costs $12.99/month, $74.99/year, or a one-time $149.99 lifetime plan, with a 7-day trial.

6. Hiatus

Best for: Hands-off bill negotiation alongside tracking

Hiatus links your bank and card accounts to find and organize recurring expenses, then layers a bill-negotiation service on top, along with help canceling subscriptions you no longer want. Its site lists Premium at $10/month or $48/year; in-app App Store pricing can differ, so check the plan screen before subscribing.

Which subscription tracker should you pick?

The easiest way to keep track of subscriptions is to pick the tool that matches your comfort with account access:

You want zero data entry: Rocket Money. It links your bank and card accounts and detects recurring charges from your transactions, and the free tier covers basic tracking. Premium (roughly $7–$14/month, pay what you think is fair) adds concierge cancellation and bill negotiation.
You refuse to link a bank account: Gravity, if you also want help canceling — it is a paid, fully manual, private iPhone app that tracks renewals and trial deadlines and walks you through canceling each service yourself. Bobby, if you just want a basic list with reminders.
You want budgeting first, subscriptions second: Copilot Money on Apple devices; PocketGuard if you need Android or the web.
Your real goal is canceling, not just tracking: see the tracker-versus-cancellation-app breakdown below.

Trackers vs. cancellation apps

A tracker answers “what renews, and when?” A cancellation app answers “how do I make this one stop?” Bank-linked trackers like Rocket Money and Hiatus bundle concierge cancellation into paid tiers, but results vary by provider and many cancellations still need your involvement. Gravity takes the guided approach: it tracks your renewals and gives official-source-verified, step-by-step guidance to cancel any service — you cancel, it guides.

For an honest look at what cancellation apps can and can't do, read the full walkthrough on apps that help you cancel subscriptions or compare the dedicated tools in the best subscription cancellation apps.

This page covers every platform. Choosing on iPhone specifically? The iPhone-only field is narrower — see the best subscription trackers for iPhone and the deeper article on picking a subscription tracker app for iPhone.

Other trackers you'll see mentioned

Trim— once a popular web-based recurring-charge finder — is now Trim by OneMain, folded into OneMain Financial's offering and aimed primarily at OneMain customers; its standalone paid service was discontinued, so check current availability before counting on it.

Mint was shut down by Intuit in March 2024, and Credit Karma, where users were directed, does not offer subscription or bill tracking. If Mint was your tracker, see Mint alternatives for subscription tracking.

DoNotPay markets a broad AI consumer assistant rather than a dedicated tracker, and it settled FTC charges in January 2025 over deceptive “AI lawyer” claims — calibrate expectations accordingly.

Frequently asked questions

What is the best subscription tracker app?

It depends on what you value. If you want automation and don't mind connecting your bank accounts, a bank-linked app like Rocket Money fits. If you want privacy and prefer to keep your financial accounts disconnected, a manual tracker like Gravity (iPhone) or Bobby is a better match. Gravity adds renewal reminders, free-trial alerts, and AI-guided cancellation help while keeping data on your device.

Do subscription trackers need access to my bank account?

Not all of them. Apps that auto-detect charges (such as Rocket Money, PocketGuard, or Copilot) connect to your financial accounts. Manual trackers like Gravity and Bobby do not, you add subscriptions yourself, so nothing links to your bank. This is the main trade-off: automation versus privacy.

Is there a subscription tracker that doesn't connect to my bank?

Yes. Gravity is a private, manual subscription manager for iPhone that requires no bank connection, your subscriptions live on your device. Bobby is another manual option on iOS. Both let you track renewals without linking financial accounts.

Is there an app that tracks subscriptions?

Yes — several, and they split into two camps. Automatic trackers such as Rocket Money, PocketGuard, and Hiatus link your bank and card accounts and detect recurring charges from transaction history. Manual trackers such as Bobby and Gravity (iPhone) skip account access entirely: you add each subscription yourself, and the app tracks renewal dates and reminds you before charges hit.

What is a recurring charge tracker?

A recurring charge tracker is an app that lists every subscription, membership, and bill that renews on a schedule, then warns you before the next charge hits. Bank-linked trackers such as Rocket Money and PocketGuard build that list from your transaction history; private trackers such as Gravity keep the list on your device, where you add each recurring charge yourself. Either way the goal is the same: no renewal should surprise you.

Is there a good free subscription tracker?

Bobby is the best-known option: it costs nothing to download on iPhone, tracks subscriptions you enter manually, and charges only small one-time purchases for extras. Rocket Money's free tier also lists recurring charges detected from linked bank accounts. Gravity is not free: it is a paid app ($19.99/month or $59.99/year) whose trade-off is full privacy — manual tracking with no bank connection, plus step-by-step cancellation guidance.

Is Gravity free?

No. Gravity is a paid subscription app: $19.99/month or $59.99/year, with no free tier and no free trial. It's a focused, private subscription manager for iPhone with renewal reminders and step-by-step cancellation guidance.

Want the community angle? See what people actually recommend for tracking subscriptions. Prefer a private, no-bank-sync option? See how Gravity compares to Rocket Money or browse the Gravity subscription tracker.