SubRemind

Best multi-currency subscription tracker apps in 2026

Most subscription trackers were built for US-only users with US-dollar bills. The moment you have a Netflix charge in EUR, a ChatGPT charge in USD, and a UK gym in GBP on the same card, you need a tracker with live FX. Here are the ones that do it right.

The picks

  1. SubRemind

    Free forever, no bank login required, multi-currency dashboard, 12-month projection, and a real free-trial countdown that doesn't inflate this month's total.

    Best for:
    People who want a free, private, browser-based tracker that works anywhere in the world.
    Pricing:
    Free for personal use.
    Bank login:
    Not required

  2. Spendee

    Multi-currency expense tracking with shared wallets. Bank link is paid; manual works free.

    Best for:
    European users who also want broader budgeting alongside subscriptions.
    Pricing:
    Free tier; Premium ~$2–5/month for bank links.
    Bank login:
    Required

  3. Emma

    Strong UK / EU bank coverage with multi-currency budgeting via Open Banking.

    Best for:
    UK and EU users who want auto-detection and don't mind Open Banking.
    Pricing:
    Free tier; Pro ~£4–14/month.
    Bank login:
    Required

  4. Bobby

    Beautiful iOS-native app with a small one-time purchase. Local-only — no cloud sync.

    Best for:
    iOS-only users who want a polished native app and don't need web access.
    Pricing:
    Free up to 5 subs; one-time purchase to unlock more (~$2–4).
    Bank login:
    Not required

  5. DIY spreadsheet with GOOGLEFINANCE

    Google Sheets' GOOGLEFINANCE function pulls live FX rates. Free, but you maintain it.

    Best for:
    Spreadsheet people who want full control.
    Pricing:
    Free.
    Bank login:
    Not required

Frequently asked

Why does multi-currency matter for subscription tracking?

If your card is billed in your home currency but the subscription is priced in dollars or euros, the exact amount you pay changes every month with FX. A tracker without live FX gives you an out-of-date total within days.

How does SubRemind handle FX?

Every subscription is stored in its native currency. The dashboard total is computed at the live rate refreshed hourly. You pick a single base currency — USD, EUR, GBP, CHF, JPY, CAD, AUD, INR — and everything converts to it.

Do bank-linked trackers handle multi-currency?

Some do, but they're constrained by whichever banks their aggregator (Plaid, Open Banking) actually covers. SubRemind is independent of bank coverage, so it works everywhere a browser does.

Start with the free pick

SubRemind is free, no bank login required, works in any browser.

Create your free account

See more lists: all best subscription tracker lists.