Is There an App That Tracks All Your Subscriptions?

Short Answer

Several apps do this, and they split into two kinds.

Apps that find your subscriptions. They connect to your bank, read your transaction history, and identify recurring charges. Rocket Money and Emma are the main ones. You get a list in under a minute without typing anything.

Apps that remember your subscriptions. You enter them yourself, and the app tracks costs, warns you before renewals and reports what you spend. SubTracker, Bobby and TrackMySubs work this way. No bank access, about ten minutes to set up.

The first kind solves "I have no idea what I am paying for". The second solves "I keep getting charged for things I meant to cancel". Those are different problems and it is worth knowing which one you have before installing anything.

Before Installing Anything: Fifteen Minutes That Finds More

If you do not know your list, this pass beats what the apps will show you, and it costs nothing.

iPhone: Settings → your name → Subscriptions. Every subscription billed by Apple, with prices and renewal dates. Most people find something forgotten here. Critically, no bank-linked app can see this detail — the charge appears on your statement as "Apple" and nothing more.

Android: Google Play → profile → Payments and subscriptions. Same picture.

PayPal: Settings → Payments → Automatic payments. Recurring PayPal agreements are separate from card charges and survive card replacement, which is why they last for years unnoticed.

Card statements, twelve months. Not three. Annual subscriptions charge once, so a three-month view structurally cannot contain them — and annual plans are usually where the largest single charges are.

Whatever you find here is your list. Then the question is only where to keep it.

Which App for Which Situation

You genuinely do not know what you pay for and want it done for you. Rocket Money if you are in the US, Emma if you are in the UK or Europe. Both need a bank connection through an aggregator, which means a third party holds a rolling copy of your transaction history for as long as it stays open.

You know your list and want warnings before renewals. Any manual tracker. Check that reminder lead times are set per subscription — seven days for monthly and thirty or more for annual, because annual contracts commonly have a thirty-day notice period.

One iPhone, one person, no account. Bobby. One-time purchase, nothing to sign up for.

A household where two people pay for things. A shared list, because this is the case no bank-linked tool handles — a duplicate on a partner's card is invisible to a connection watching yours. SubTracker's Family plan covers ten people at $9.90/month.

Under fifteen subscriptions and you are organised. A spreadsheet. Genuinely fine. The one thing it cannot do is warn you, which is the thing that eventually costs money.

What Makes One Actually Useful

Three things, ranked by how much difference they make.

Reminder lead time. The whole point. A warning the day before renewal is useless for anything on notice — and defaults of one to three days are common. Per-subscription control matters more than any feature on a comparison table.

Whether it handles your actual billing intervals. Monthly and annual are easy. Quarterly, every two months, every eighteen months, one-time payments for domains and insurance — tools that cannot express these make you fake it, and faked intervals produce wrong dates.

Whether you can get your data out. Full CSV or JSON, whenever you want, without asking. It is what makes trying something a low-risk decision.

What matters much less than the marketing suggests: the number of supported providers on a manual tracker (there is no limit — you are typing a name), and how the dashboard looks.

Bank-Linked or Manual: The Choice That Decides the Rest

Nearly every practical difference in this category follows from one architectural split.

Bank-linked tools connect through an aggregator — Plaid, TrueLayer, Tink — and read your transaction history to detect recurring charges. Setup is under a minute. In exchange, a third party holds a continuously refreshed record of everywhere you spend, not only your subscriptions, for as long as the connection stays open.

Manual tools never establish that connection. You enter each subscription once, which takes roughly ten minutes for a typical list. The service knows the provider, amount and renewal date you typed. There is no transaction history to expose, because none was collected.

Neither is correct in the abstract, and the marketing on both sides pretends otherwise. If you do not yet know what you are paying for, bank linking solves a problem manual entry cannot touch. If you already know your list, you are paying a standing privacy cost for nine minutes you have already spent.

Where SubTracker Is the Wrong Tool

You want charges discovered for you. SubTracker never sees your bank, so it cannot surface a subscription you have forgotten. If that is the problem, use Rocket Money or Emma, or do a manual pass through three months of statements plus the App Store and Google Play subscription lists — that is where forgotten billing actually hides.

You want cancellation handled on your behalf. Rocket Money will contact providers and negotiate, taking a share of the savings. SubTracker tells you what to cancel, when, and by which route. You do the cancelling.

You are managing company software spend. Approval chains, SSO, vendor renewals across dozens of employees: that is procurement software. Cledara, Vertice and Spendesk are built for it. SubTracker's shared workspaces are sized for a household or a small team.

What It Costs

The free plan tracks unlimited subscriptions with no card and no expiry, and includes CSV import, a live calendar feed and full CSV or JSON export. Renewal reminders and price-hike alerts are Plus at $5.90/month. Family is $9.90/month and adds a shared workspace for up to ten people.

The free tier is a permanent tier rather than a trial, which matters here because the useful question is whether the habit sticks. Most people surface two or three forgotten subscriptions in the first sitting; if nothing turns up, the free plan keeps working and the cost was ten minutes.