Is there a service that keeps track of my subscriptions for me?
Yes — two kinds. Bank-linked apps find subscriptions automatically; manual trackers keep a list you control. What each does for you, and what neither can see.
Answer
Yes. Bank-linked apps such as Rocket Money or Emma read your transactions and list recurring charges automatically, in exchange for access to your full transaction history. Manual trackers such as SubTracker hold a list you enter yourself and remind you before renewals, without any bank connection. Neither sees app store billing in detail, so check Apple and Google subscriptions separately.
Leutrim Miftaraj
Founder, SubTracker · Updated September 29, 2026
The short answer
A service can do the remembering, but not all of the finding. Bank-linked apps find recurring charges on the accounts you connect; manual trackers like SubTracker keep the list you enter and warn you before renewals. The part both leave to you is app store billing, which shows up only as Apple or Google on a statement.
Two Ways a Service Can Do This
Bank-linked apps connect to your accounts through an aggregator and scan transactions for charges that repeat. They are the fastest way to discover subscriptions you have forgotten, because they need no input from you.
Manual trackers hold a list of subscriptions you enter yourself. They do not discover anything; their job is to remember renewal dates, total the cost and warn you before a charge. SubTracker is in this group: you type each subscription in once, and it never connects to your bank.
What "For You" Actually Covers
The remembering part is fully automated in both designs: renewal dates, reminders, totals. The finding part is automated only in bank-linked apps, and only for the accounts you connect.
That distinction matters when the problem is "I have lost track". If you do not know what you are paying for, a bank-linked scan — or an hour with your last three statements — comes first. If you know what you pay for but keep missing renewals, a manual tracker solves it without handing over your transaction history.
The Gap Neither Design Closes
Subscriptions bought inside iPhone or Android apps are charged by Apple or Google. On a statement they appear as one merchant name, whatever the app. No tracker can reliably tell those apart from the bank side. Check them at the source: your Apple ID subscriptions or Google Play subscriptions.
Annual plans are the other blind spot. A bank scan only sees the history it can read, so a subscription charged once a year may not appear until it renews.
Choosing Between Them
Choose a bank-linked app if discovery is the problem and you are comfortable granting read access to your accounts. Choose a manual tracker if privacy matters more, or once the initial clean-up is done and you mainly need reminders.
Many people do both in sequence: one bank scan to find everything, then a manual list for ongoing tracking so no connection stays open.
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Start freeFrequently asked questions
Is there an app that finds all my subscriptions automatically?+
Bank-linked apps find recurring charges on the accounts you connect. They cannot reliably separate app store subscriptions, which appear as Apple or Google on a statement.
Can a subscription tracker work without my bank login?+
Yes. Manual trackers such as SubTracker keep a list you enter yourself and never connect to a bank. The trade-off is that they cannot discover forgotten subscriptions.
What is the fastest way to regain track of my subscriptions?+
Go through your last three bank and card statements, then your Apple and Google subscription lists. That finds almost everything; a tracker keeps it from drifting again.
Will a tracking service cancel subscriptions for me?+
Some bank-linked services offer cancellation on your behalf, sometimes for a fee. Manual trackers tell you when a renewal is coming so you can cancel in time; you cancel yourself.
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