Subkept (the maker of this list)
Privacy-first manual subscription tracker. $0 free for up to 5 subscriptions; Pro is $5 per month or $35 per year. Web, iOS PWA, Android PWA.
Try Subkept freePrivacy-first roundup
Best subscription trackers without a bank connection
Bank-linked subscription trackers are convenient but they trade away a lot. These are the trackers that keep your bank out of the loop. Updated 2026-06-23.
The list
Bobby
iOS-only manual subscription tracker. Platforms: iOS, macOS (M1+), Apple Vision.
Apple-only users who want a one-time-purchase tracker with iCloud sync and zero ongoing fees.
SubBuddy
Indie subscription tracker. Platforms: Mobile.
People who want a small indie subscription tracker without bank connections.
Wallet by BudgetBakers
Cross-platform personal finance and subscription tracker. Platforms: iOS, Android, Web.
People who want a broad personal finance tracker with subscription tracking as one module, and are comfortable with a Czech indie company holding their data.
Chronicle
iOS and Mac subscription tracker with a clean interface. Platforms: iOS, macOS.
Apple ecosystem users who want a dedicated bills and subscription tracker on iPhone and Mac, with a native UI and no ongoing subscription fee.
Frequently asked
What is a subscription tracker without bank connection?
A tool that lets you log and monitor recurring subscriptions manually, without connecting to your checking account, credit card, or other financial accounts. You enter what you pay for and the tracker handles reminders and totals.
Why avoid bank-linked subscription trackers?
Three reasons: privacy, security, and scope. A bank-linked tool can read every transaction in your account, not just subscriptions. If a vendor is breached or sold, that visibility becomes someone else's problem.
Are manual trackers really practical?
Yes for most people. Logging your subscriptions takes about thirty seconds each. Most users finish a full setup in under fifteen minutes and never have to redo it.
What is the cheapest privacy-first option?
Bobby is free with optional one-time in-app purchases under $3, but it is iOS-only. Subkept has a free tier for up to 5 subscriptions across web, iOS, and Android.
Is Wallet by BudgetBakers privacy-first?
Wallet allows manual entry without bank linking. Bank sync is optional and requires a premium upgrade. For users who want to stay manual, it works without any financial access.
Does Chronicle require a bank connection?
No. Chronicle is manual entry only, with no bank linking. It is iOS and macOS only, like Bobby.
What is the difference between a subscription tracker and a budget app?
A budget app tracks all spending across accounts. A subscription tracker focuses specifically on recurring charges — renewals, trial countdowns, price changes, and cancellation links. Subkept and Bobby are pure subscription trackers. Wallet by BudgetBakers and PocketGuard are budget apps with subscription tracking as one module.
Are there cross-platform options without a bank link?
Yes. Subkept and Wallet by BudgetBakers both run on web, iOS, and Android without requiring a bank connection. Bobby and Chronicle are Apple-only.