Best subscription tracker apps in 2026
Subscription trackers come in two kinds. Automatic ones read your bank and card transactions and find every subscription for you, including the ones you forgot. Manual ones keep a tidy list of the subscriptions you type in, with no bank login. Pick the kind first; the app comes second.
Disclosure: Cove is our product. Everything below about other apps comes from their own websites and app listings, and we say where they do something Cove doesn't.
Automatic or manual: which kind you need
- Choose automatic if you suspect you're paying for things you've forgotten: a free trial that turned paid, a yearly renewal, the same service on two cards. A manual tracker can only list what you remember to add.
- Choose manual if you'd rather not link a bank account, have a handful of subscriptions you already know about, and mainly want a reminder before each one renews.
Automatic subscription trackers
These connect to your accounts through a service such as Plaid and pick out the charges that repeat. The difference between them is what happens next.
| App | How subscriptions get in | Cancels for you | Free plan |
|---|---|---|---|
| CoveiPhone, Android and web. Cancellation is in beta and part of Premium. Flags a price increase once the higher charge posts. | Finds them in your bank and card transactions | Yes | Yes: one linked bank or card provider |
| Rocket MoneyAlso negotiates eligible bills, keeping a share of the savings. | Finds them in your bank and card transactions | Yes | Yes |
| Monarch MoneyShows recurring charges as part of budgeting; you cancel them yourself. | Finds them in your bank and card transactions | No | No: subscription after a trial |
| Copilot MoneyiPhone, iPad, Mac and web; no Android app. You cancel recurring charges yourself. | Finds them in your bank and card transactions | No | No: free trial, then paid |
Comparison based on publicly available information as of September 2026. Competitor features change often — check each provider's site for the latest. Cove does not guarantee savings; results vary.
Cove and Rocket Money are the two here that can cancel a subscription for you; Cove also splits shared bills and has an AI assistant you can ask about your money. See how Cove's subscription tracker works or the Cove vs Rocket Money side-by-side.
Manual subscription trackers
These never touch your bank. You add each subscription, and in return you get a clean list and a reminder before each renewal, something Cove doesn't send for subscriptions yet.
| App | How subscriptions get in | Cancels for you | Free plan |
|---|---|---|---|
| BobbyiPhone only. Notifies you when a bill is due. No bank connection. | You add each one, from a list of services or your own | No | Yes, limited; unlocks from $0.99 |
| ReSubsiOS and Android. Renewal reminders and step-by-step cancellation guides. No bank access needed. | You add each one, from a catalog, a photo or a Gmail import | No | Free to download |
| TrackMySubsWorks in the browser. Email alerts before each payment, with timing you choose. | You add each one, or upload a CSV | No | Yes: up to 10 subscriptions; Unlimited is $10/month |
Checked against each app's own website or App Store listing on October 14, 2026. Prices and features change; check the app before you buy.
How to choose
- You want to find what you're missing: an automatic tracker. Cove's free plan covers one linked bank or card provider.
- You want it cancelled for you: Cove (in beta, with Premium) or Rocket Money.
- You want a renewal reminder and no bank link: Bobby on iPhone, ReSubs on iPhone or Android, or TrackMySubs in a browser.
- You also track bills, not just subscriptions: see our guide to the best bill tracking apps.
Worried about linking a bank? Read how Cove protects your data.
Common questions
What is the best subscription tracker app?
It depends on what you want it to do. To find subscriptions you've forgotten about, use one that reads your bank and card transactions, such as Cove or Rocket Money. If you'd rather not link a bank account and know every subscription you have, a manual tracker such as Bobby, ReSubs or TrackMySubs is simpler.
Is there a free subscription tracker?
Yes. Cove's free plan finds subscriptions on one linked bank or card provider, and Rocket Money also has a free plan. Among manual trackers, Bobby is free with limits and TrackMySubs is free for up to 10 subscriptions.
Does a subscription tracker need my bank login?
Automatic trackers connect to your bank through a service such as Plaid. Cove's connection is read-only and Cove never sees your bank password. Manual trackers don't connect to a bank at all; you enter each subscription yourself.
Can a subscription tracker cancel subscriptions for me?
Cove (in beta, with Premium) and Rocket Money can cancel some subscriptions for you. Monarch Money and Copilot Money show recurring charges but leave cancelling to you, and the manual trackers here remind you or give instructions rather than cancelling.
Will a subscription tracker remind me before a renewal?
Manual trackers such as Bobby, ReSubs and TrackMySubs remind you before the renewal dates you enter. Cove shows upcoming charges on a calendar but doesn't send subscription renewal reminders yet; its reminders cover credit card and loan payments.