⚡ TL;DR
SubTracker — Free, private, works on any device. Best for people who don't want to connect their bank.
Rocket Money — Auto-detects subscriptions from your bank. Best for US users who want full automation.
Bobby — Simple, beautiful iOS app. Best for Apple users who want manual tracking with a one-time purchase.
The average person spends over $200/month on subscriptions — and forgets about half of them. A good subscription tracker can save you hundreds per year. But which one should you use? We tested the three most popular options so you don't have to.
Quick Comparison
| Feature | SubTracker | Rocket Money | Bobby |
|---|---|---|---|
| Free Plan | 5 subs free | Limited free | 5 subs free |
| Paid Price | $2.99/mo | $6–12/mo | $2.99 once |
| Bank Access Required | No | Yes | No |
| Platform | Web (any device) | iOS, Android, Web | iOS only |
| PWA Install | Yes | Yes | No (native app) |
| Auto-Detect Subs | No | Yes | No |
| Renewal Alerts | Yes | Yes | Yes |
| Spending Analytics | Yes | Yes | Basic |
| Bill Negotiation | No | Yes | No |
| Data Privacy | Local only | Server-side | Local only |
| Multi-Currency | USD, EUR, GBP | USD mostly | Multiple |
| Preset Services | 100+ | Auto-detected | Limited |
| Export Data | CSV | Premium only | No |
1. SubTracker — Best Free & Privacy-First Tracker
SubTracker
Free (5 subs) · $2.99/mo ProSubTracker is a free, privacy-first subscription tracker that runs entirely in your browser. No account needed, no bank access, no data leaves your device. It works on any device — phone, tablet, or desktop — as a Progressive Web App.
With 100+ preset services (Netflix, Spotify, ChatGPT Plus, iCloud, and more), adding subscriptions is fast. Just tap a preset and the price, category, and billing cycle auto-fill. The dashboard shows monthly/yearly totals, spending by category, upcoming renewals, and smart suggestions to save money.
✅ Pros
- Free tier with 5 subscriptions
- No bank access required — ever
- Works on any device (PWA)
- 100+ preset services
- All data stored locally (IndexedDB)
- Renewal alerts via browser notifications
- Spending analytics & charts
- Export to CSV anytime
- Multi-currency (USD, EUR, GBP)
❌ Cons
- No automatic bank detection
- No bill negotiation service
- Newer product, smaller user base
- Free tier limited to 5 subscriptions
2. Rocket Money — Best for Auto-Detection & Bill Negotiation
Rocket Money (formerly Truebill)
$6–12/mo PremiumRocket Money is the biggest name in subscription tracking with 10M+ users. It connects to your bank via Plaid to automatically detect recurring charges — even ones you forgot about. Premium users can cancel subscriptions directly through the app and get bill negotiation (Rocket Money takes 35–60% of first-year savings).
It's comprehensive, but you're paying a premium price for a subscription tracker — ironic, right? The free tier is limited, and most useful features (cancellation, negotiation, advanced budgeting) are locked behind the premium paywall.
✅ Pros
- Auto-detects subscriptions from bank
- Direct subscription cancellation
- Bill negotiation service
- Credit score monitoring
- Budgeting tools included
- 10M+ users, proven track record
❌ Cons
- Requires bank account access
- Premium costs $6–12/month
- Takes 35–60% of negotiation savings
- US-focused, limited international support
- Privacy concerns with bank data
- Aggressive upselling in-app
3. Bobby — Best Simple iOS Tracker
Bobby
Free (5 subs) · $2.99 one-timeBobby is a beautifully designed iOS app for manual subscription tracking. It's one of the few trackers that charges a one-time fee instead of a monthly subscription — $2.99 for unlimited tracking. The interface is clean and simple, perfect for Apple users who want a no-fuss experience.
The catch? It's iOS-only. No web version, no Android app. And while the design is great, the feature set is basic — no analytics charts, no spending insights, and no web access means you can only check your subscriptions from your iPhone or iPad.
✅ Pros
- Beautiful, clean iOS interface
- One-time purchase ($2.99)
- No bank access required
- Privacy-focused, local data
- Multi-currency support
- iCloud sync across Apple devices
❌ Cons
- iOS only — no web or Android
- Manual entry only
- Basic analytics (no charts)
- No cancellation assistance
- Can't export data
- Limited preset services
Which One Should You Pick?
🛡️ Choose SubTracker if...
- You value privacy and don't want to share bank credentials
- You need a tracker that works on any device (not just iOS)
- You want a free tier that actually works
- You live outside the US and need multi-currency support
- You want spending analytics without paying $12/month
🚀 Choose Rocket Money if...
- You're in the US and want automatic subscription detection
- You need bill negotiation to lower your internet/phone bills
- You're okay with connecting your bank account via Plaid
- You want a full budgeting app, not just a subscription tracker
📱 Choose Bobby if...
- You're an iPhone user who wants the simplest possible tracker
- You prefer a one-time purchase over monthly subscription
- You only track a few subscriptions manually
- You don't need analytics or web access