SubRemind

Best recurring expense tracker apps in 2026

Recurring expenses go beyond Netflix. Insurance premiums, mortgage payments, utility bills, club memberships, and software subscriptions are all recurring. The best recurring-expense trackers handle yearly, quarterly, and monthly cycles in one view.

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. Rocket Money

    Auto-discovers subscriptions from your bank statements and can negotiate bills for you. Best if you're US-based and don't mind linking your bank.

    Best for:
    US users who want auto-discovery and don't mind a Plaid bank link.
    Pricing:
    Free tier; Premium ~$4–12/month.
    Bank login:
    Required

  3. Monarch Money

    Full personal finance suite — net worth, budgets, investments, subscriptions. Bank-linked.

    Best for:
    People who want full personal finance, not just subscription tracking.
    Pricing:
    ~$10/month or ~$100/year.
    Bank login:
    Required

  4. YNAB

    Zero-based budgeting methodology with subscription tracking as one feature among many.

    Best for:
    Budget-first people who want strict envelope budgeting.
    Pricing:
    $14.99/month or $109/year. 34-day free trial.
    Bank login:
    Required

  5. 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

Frequently asked

Can SubRemind track non-subscription recurring expenses?

Yes — anything with a fixed price and a renewal date works. Insurance, mortgage, utilities, gym memberships. Use the "Custom" service option to add anything that isn't in the pre-loaded list.

How does the 12-month projection chart handle yearly bills?

Yearly bills appear as a full charge in their actual renewal month, not averaged out. So if your car insurance is due in November, you'll see a spike in November on the projection chart — which is what you need for cash-flow planning.

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.