Free tiers, compared honestly

Best free subscription trackers in 2026

Free means something different in every app here. Some cap how many subscriptions you can track, some are free only once you connect your bank, and some are not subscriptions at all but a small one-time purchase. This list is organised around that distinction, because it is the one that decides whether an app stays free for you.

Updated 2026-08-22

How these were picked

Only trackers with a free tier you can use indefinitely are listed. Free trials do not count, which is why Copilot Money is excluded despite being a strong app. For each pick, the free tier actual limit is stated along with what triggers a payment.

The picks

Subkept

Privacy-first manual subscription tracker

Free up to 5 subscriptions - then $5 per month or $35 per year

Free for up to 5 subscriptions, with no bank connection and no time limit. Renewal reminders, trial countdowns, calendar view, spending analytics, price-hike detection, and CSV export are all included on the free tier. Paying ($5/mo or $35/yr) only lifts the 5-subscription cap, so if you track fewer than five you never pay.

Platforms: Web, iOS, Android

Disclosure: Subkept publishes this list.

Wallet by BudgetBakers

Cross-platform personal finance and subscription tracker

Free · $2.99–$4.99/mo Premium

The most generous free tier for general budgeting. Manual entry works fully without connecting a bank, multi-currency and budget categories are included, and it runs on iOS, Android, and the web. Shared wallets and bank sync are the premium upsell at $2.99 to $4.99/mo.

Platforms: iOS, Android, Web

Chronicle

iOS and Mac subscription tracker with a clean interface

Free up to 3 · one-time unlock (~$4.99)

Free for up to 3 bills, which is genuinely useful if you only want to watch a couple of big renewals. Past three it is a one-time unlock around $4.99 rather than a subscription, so the lifetime ceiling is a few dollars. Apple-only.

Platforms: iOS, macOS

Bobby

iOS-only manual subscription tracker

One-time purchase (~$1–$3)

A limited free tier that caps subscriptions and categories, unlocked by one-time in-app purchases of roughly $1 to $3. Not free forever at any real volume, but the cheapest lifetime cost on this list, and it never touches your bank. iPhone and Mac only.

Platforms: iOS, macOS (M1+), Apple Vision

SubBuddy

Indie subscription tracker

Free · paid tier (see site)

Has a free tier and requires no bank connection, covering manual entry and renewal reminders. Public detail on where the free tier ends is thin, so check the official site before relying on it.

Platforms: Mobile

Rocket Money

Bank-linked subscription manager and bill negotiator

Free w/ bank link · $6–$12/mo Premium

Free only in a specific sense: you must link every bank and card account for it to do anything, and the free tier excludes bill negotiation. If you are comfortable with Plaid access it is the most capable free option, because it finds subscriptions you had forgotten.

Platforms: iOS, Android, Web

PocketGuard

Bank-linked budget tracker with subscription detection

Free w/ bank link · $7.99/mo Plus

The same shape as Rocket Money. The free tier is thin and needs a bank link to function, with Plus at $7.99/mo for negotiation and CSV export. Worth it only if automatic detection is what you actually want.

Platforms: iOS, Android

Worth knowing

Free with a bank link is a different product

Rocket Money and PocketGuard cost no money but are not free in the sense most people mean. The price is continuous read access to your transaction history through Plaid. That may be a fine trade, it is just not the same trade as an app with a 5-subscription cap.

Frequently asked

What is the best free subscription tracker?

For tracking a handful of subscriptions without a bank link, the Subkept free tier covers 5 subscriptions with reminders, price-hike alerts, and CSV export. For broader budgeting, Wallet by BudgetBakers has the most generous free plan. For Apple users, Chronicle is free up to 3 bills.

Are free subscription trackers actually free?

It varies. Subkept, Wallet, Chronicle, and SubBuddy are free within stated limits with no bank access. Rocket Money and PocketGuard are free of charge but require linking your bank accounts, which is a privacy cost rather than a monetary one.

Is there a free subscription tracker that does not need my bank details?

Yes. Subkept, Wallet by BudgetBakers, Chronicle, and SubBuddy all work by manual entry and never require a bank connection. Bobby also never connects to a bank, though its free tier is capped.

What is the catch with free subscription trackers?

Usually one of three things: a cap on how many subscriptions you can track, a mandatory bank connection, or core features such as data export held back for the paid tier. Check which applies before committing your data to one.

Do I have to pay to export my data?

Sometimes. PocketGuard locks CSV export behind its Plus tier. Subkept includes CSV export on the free tier, and Wallet by BudgetBakers supports export without a paid plan.