Best subscription tracker apps that don't require a bank login (2026)
Linking your bank to a subscription tracker means handing read-only access to a third party (typically Plaid). That's how Rocket Money, Mint, and Monarch work. If you'd rather just type in your subscriptions and keep your bank credentials off the table, these are the trackers that respect that boundary.
The picks
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
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
Subby
Lightweight mobile-only subscription log with a simple monthly view.
- Best for:
- Mobile users who want a single-purpose tracker without the bells and whistles.
- Pricing:
- Free with optional paid tier.
- Bank login:
- Not required
Spreadsheet (Google Sheets / Numbers / Excel)
A blank spreadsheet does the job too — list services, prices, renewal dates, and SUM the column.
- Best for:
- DIY users who want full control of the data.
- Pricing:
- Free (or whatever your spreadsheet app costs).
- Bank login:
- Not required
Notion / Obsidian database
A simple Notion database with formulas can act as a subscription tracker.
- Best for:
- People already living inside Notion who want everything in one place.
- Pricing:
- Free tier; paid plans for advanced features.
- Bank login:
- Not required
Frequently asked
Why avoid bank-link subscription trackers?
Bank-link trackers route your credentials through a third party like Plaid, which stores access tokens. The tokens are read-only but they're still a credential exchange — a leak or migration risk that doesn't exist if the tracker never touches your bank.
Will I miss subscriptions if I don't link my bank?
You might. Bank-link trackers auto-discover charges. With a manual tracker like SubRemind you need to actively add subscriptions you know about. The trade-off: you avoid Plaid entirely, and most subscription bloat is from services you're already aware of but stopped using.
Is SubRemind safer than Rocket Money?
Both are designed to be safe, but they have different attack surfaces. Rocket Money's surface includes Plaid + Rocket Companies; SubRemind's surface is just an email + password. We can't be "safer" in an absolute sense, but we are smaller and have no banking-credential dependency.
Start with the free pick
SubRemind is free, no bank login required, works in any browser.
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