Ever found a mysterious charge on your credit card from a subscription you forgot about months ago? You’re not alone. The average American wastes $273 annually on unused subscriptions, making a subscription manager app more essential than ever.
While tracking every recurring payment manually is nearly impossible, the right app can automatically detect and monitor your subscriptions, alert you about price increases, and even help cancel unwanted services. However, choosing the best subscription tracking tool can be overwhelming with so many options available.
Therefore, we’ve tested and reviewed the 12 best subscription manager apps that not only track your recurring payments but also help you discover hidden charges. From free basic tools to feature-rich premium options, this list covers everything you need to take control of your subscription expenses in 2025.
Rocket Money
Image Source: www.rocketmoney.com
Rocket Money stands as one of the most comprehensive subscription manager apps, with over 5 million users who have collectively saved more than $1 billion dollars [1]. Formerly known as Truebill, this financial platform transforms how users track recurring charges and optimize their spending habits.
Rocket Money best features
Rocket Money excels at automatically identifying and monitoring subscriptions across linked accounts. The app instantly finds recurring charges, allowing users to view all subscriptions in a centralized dashboard. Additionally, Premium members gain access to a concierge service that cancels unwanted subscriptions on their behalf. Other notable features include:
Smart savings that automatically transfers money based on spending patterns
Real-time balance alerts for checking accounts and credit cards
Net worth tracking to monitor financial progress over time
Credit score monitoring with insights for improvement
Rocket Money pricing and plans
The basic version of Rocket Money is free to download and use, offering fundamental features like account linking, balance alerts, and basic subscription tracking [2]. For advanced capabilities, the Premium membership follows a unique “pay what you think is fair” model:
Costs between $6.00-$12.00 per month (users choose their price)
Includes a 7-day free trial period
Annual payment options starting at $4.00 per month
Same features regardless of chosen price point
Rocket Money bill negotiation tools
Beyond subscription management, Rocket Money offers bill negotiation services for expenses like cell phone and internet bills. Their specialists contact service providers to secure better rates for users. According to the company, this process has an 85% success rate [3]. The service works on a success-fee model where:
Users pay 35-60% of their first year’s savings (user-selected percentage) [2]
No charge if negotiations are unsuccessful
Potential savings on major recurring bills like cable, internet, and phone services
Rocket Money security and data protection
Regarding data security, Rocket Money employs bank-level protection protocols. The platform uses 256-bit encryption for all stored data [4] and partners with Plaid to securely connect to financial institutions. Rather than storing login credentials, Rocket uses encrypted tokens for account access. Furthermore, their servers are hosted on Amazon Web Services (AWS), the same infrastructure trusted by the Department of Defense and NASA [4]. Users maintain complete control with the ability to revoke access and delete their account at any time.
Trim by OneMain
Image Source: www.asktrim.com
Trim by OneMain represents a unique approach to subscription management, offering text-based interaction instead of a traditional app interface. Since being acquired by OneMain Financial in 2021, this service has evolved into a free tool primarily catering to OneMain and Brightway customers.
Trim subscription detection capabilities
Unlike app-based alternatives, Trim functions by connecting to your financial accounts and analyzing your transactions to identify recurring payments. The service links with more than 15,000 financial institutions nationwide to scan your spending patterns effectively. Once connected, Trim automatically distinguishes between one-time purchases and subscription services, presenting users with a comprehensive list of their recurring expenses. The platform can spot hidden subscriptions that might otherwise go unnoticed, such as free trials that converted to paid memberships.
Trim pricing and negotiation fees
Perhaps Trim’s most distinctive feature is its cost structure – completely free for all users. Notably, its bill negotiation service, previously available to all subscribers for 33% of the first year’s savings, is now exclusively offered at no cost to OneMain or Brightway customers. This represents a significant advantage for these users, who can access premium features without any charges that competitor apps typically impose.
Trim SMS-based interface
Instead of navigating through an app, Trim users interact with the service primarily via text messages or Facebook Messenger. This streamlined communication method allows for quick interactions – users can simply text commands to initiate subscription cancelations or ask financial questions. The SMS-based model makes Trim particularly accessible for those who prefer straightforward text communication over learning a new app interface.
Trim security and privacy
Concerning data protection, Trim employs bank-level 256-bit SSL encryption to safeguard user information. The service utilizes Plaid to establish secure connections with financial institutions, ensuring banking credentials never touch Trim’s servers. Moreover, Trim hosts its services on Amazon Web Services (AWS), the same infrastructure trusted by NASA and the Department of Defense, and implements two-factor authentication for additional account security.
PocketGuard
Image Source: pocketguard.com
PocketGuard brings a visual approach to subscription management, offering a comprehensive financial dashboard that simplifies tracking recurring expenses. This budgeting app stands out for its ability to provide clear insights into where your money goes, including those easy-to-forget subscription services.
PocketGuard budgeting and subscription tracking
PocketGuard functions as both a budgeting tool and subscription tracker, automatically detecting recurring charges when you connect your financial accounts. The app excels at transaction management, allowing users to categorize expenses and attach images to receipts. One distinctive feature is the hashtag system that enables users to create custom groupings beyond standard categories—perfect for tracking specific subscription types or projects [5].
The platform automatically identifies recurring bills through a sophisticated algorithm and displays them in a calendar view. Plus members gain access to expanded capabilities, including unlimited budget categories, multiple cash accounts, and the ability to export transactions to spreadsheets for deeper analysis [6].
PocketGuard pricing tiers
The free version of PocketGuard offers basic functionality but limits users to just two financial account connections and two budget categories, making it somewhat restrictive compared to competitors [5]. For full access, PocketGuard Plus costs $12.99 per month or $74.99 annually (equivalent to $6.25 monthly) [7].
Interestingly, the app occasionally offers lifetime membership promotions—typically around $79.99—though these special offers aren’t consistently available [8]. While prices have increased in recent years, the lifetime option remains compelling for long-term users when available.
PocketGuard ‘In My Pocket’ feature
At the core of PocketGuard is the signature “In My Pocket” (or “Leftover”) feature, which calculates how much spending money remains after accounting for bills, budgets, and savings goals [6]. This unique algorithm provides a real-time snapshot of available funds, helping users avoid impulse purchases that lead to overspending.
The feature refreshes daily and provides both monthly and daily spending allowances, making it especially valuable for those struggling to maintain financial discipline between paychecks [6].
Hiatus
Image Source: FinanceBuzz
With a sharp focus on holistic financial wellness, Hiatus emerged in 2016 as more than just a subscription manager app—it’s a comprehensive financial assistant that helps users gain control over their recurring expenses while providing broader money management tools.
Hiatus financial tracking and alerts
Hiatus consolidates all financial accounts into a single dashboard, giving users a complete overview of their spending habits. The app continuously monitors transactions across linked accounts to identify patterns and potential areas for savings. In essence, the platform serves as a financial watchdog that alerts users before companies charge them or when rates increase unexpectedly.
The tracking system excels at categorizing expenses, allowing users to create custom budgets for specific spending categories or even individual merchants. At the same time, the dashboard displays upcoming bills and payment due dates, helping users avoid late fees and maintain healthy financial habits.
Hiatus premium features
The Premium subscription, priced at $9.99 monthly or $35.99 annually (equivalent to $2.99/month) [9], unlocks Hiatus’s most powerful capabilities:
Bill negotiation services where experts contact providers directly to secure lower rates
Personalized financial analysis with tailored recommendations
Smart budgeting tools for creating and managing customized spending limits
Detailed analytics showing spending trends over time
First thing to remember, the premium version focuses on proactive financial management rather than just passive tracking. The negotiation team often uncovers hidden credits due to service outages and can identify when bills have increased without notification [10].
Hiatus subscription cancelation tools
For premium members, Hiatus offers a dedicated subscription cancelation service. Once users identify unwanted subscriptions in their dashboard, they can initiate the cancelation process with a single tap. In contrast to competitors, Hiatus employs a team of cancelation specialists who handle the entire process.
For situations where vendors require direct customer contact, the team provides detailed step-by-step instructions [11]. This concierge approach saves users from navigating complicated cancelation procedures or spending time on customer service calls.
The app secures user data with 256-bit SSL encryption—the same level of security used by financial institutions [9]—ensuring sensitive financial information remains protected throughout the process.
Bobby
Image Source: App Store – Apple
Taking a minimalist approach to subscription tracking, Bobby delivers a visually appealing alternative for users seeking simplicity without sacrificing functionality. This esthetically-pleasing app has built a loyal following among iOS users who value design alongside utility.
Bobby app interface and customization
Bobby’s sleek interface stands out with its clean design and extensive customization options. The app utilizes brand colors from subscription services for easy visual identification while allowing users to personalize their experience. Users can select from multiple themes, choose different fonts, and even change the app icon to match their preferences. For those who prefer darker screens, Bobby includes a manual or scheduled dark mode option.
Beyond visual elements, Bobby supports categorization features for organizing subscriptions into groups like “Personal” and “Work,” a functionality added in version 3.5. The dashboard presents a comprehensive overview of all active subscriptions with upcoming payment dates clearly displayed. Users can rearrange subscriptions simply by dragging and dropping them into their preferred order.
Additionally, the app offers six language options: English, German, Spanish, French, Italian, and Dutch.
Bobby pricing and in-app purchases
The basic version of Bobby is free to download but limits users to tracking only five subscriptions. To unlock the full potential, Bobby offers several in-app purchase options:
Unlimited Subscriptions: $0.99
All-in-one Pack: $1.99 (includes unlimited subscriptions, iCloud sync, Touch ID/Face ID protection)
All-in-one Pack v2: $2.99
These one-time purchases represent a significant advantage over competing apps that charge recurring subscription fees for premium features.
Bobby iOS-only availability
Despite its popularity, Bobby remains exclusively available for Apple devices. Initially developed only for iPhone, the app has expanded to support macOS devices with Apple M1 chips or later and is now compatible with Apple Vision. Nevertheless, the absence of iPad-specific optimization represents a notable limitation mentioned frequently in user reviews.
Fortunately for users who switch between Apple devices, Bobby supports iCloud Sync functionality, ensuring subscription data remains consistent across all connected iOS devices.
Subby
Image Source: Android Developers
Designed exclusively for Android users, Subby offers a straightforward solution for keeping track of recurring payments without overwhelming complexities. This subscription manager app focuses on simplicity and customization, making it a popular choice among budget-conscious consumers looking to gain control over their digital spending.
Subby Android features
Subby delivers comprehensive subscription tracking capabilities through a user-friendly interface specifically tailored for Android devices. The app excels with its personalization options, featuring over 400 subscription icons that help users quickly identify different services in their dashboard. Beyond visual elements, Subby provides practical functionality through customizable alerts that ensure users never miss an upcoming payment date.
For those managing international subscriptions, Subby supports more than 160 currencies, making it versatile for global users. The visual experience can be adjusted through multiple theme options—Bright White, Dark, and Pitch Black—allowing users to customize the interface based on their preferences.
Another standout element is the detailed expense tracking, which presents clear insights into both monthly and yearly spending patterns.
Subby pricing and ad-free version
One of Subby’s main advantages lies in its pricing structure—the base version is completely free and permits unlimited subscription entries. This distinction separates it from competitors that typically restrict the number of subscriptions users can track without paying.
Although specific pricing details aren’t readily available, the app offers a PRO version that unlocks premium features. These enhanced capabilities include an ad-free experience, automatic backup to Google Drive, and a convenient home screen widget that displays upcoming payment information directly on the device’s main screen.
Subby subscription splitting option
Perhaps the most unique aspect of Subby is its built-in functionality for sharing subscription costs. The app allows users to securely split recurring payments with friends and family members, effectively automating the often awkward process of collecting money from others.
This feature helps users access more subscription services by distributing costs among multiple people. Furthermore, the secure payment automation system handles the recurring transactions between sharing parties, eliminating the need for monthly reminders or manual transfers.
Sortbilly
Image Source: sortbilly.com
As a newcomer to the subscription tracking scene, Sortbilly offers a refreshingly straightforward approach to managing recurring payments through a clean, intuitive interface. Currently available across web, iOS, and Android platforms, this subscription manager app focuses on essential tracking features without overwhelming users with complex options.
Sortbilly dashboard and analytics
The Sortbilly dashboard provides a comprehensive overview of your financial commitments at a glance. Its intuitive interface displays upcoming payments for the next seven days, helping users stay ahead of billing cycles. The system categorizes subscriptions into customizable groups:
Bills
Entertainment
General
Personal Care
Shopping
This organization helps visualize spending patterns across different categories, enabling users to identify where their subscription money goes each month. The analytics section tracks both active and expired subscriptions while monitoring average monthly spending, giving users clear insights into their recurring payment habits.
Sortbilly current free beta access
Presently, Sortbilly operates entirely free of charge during its open beta stage. Users enjoy unlimited access to all features without restrictions—a significant advantage over competitors that limit functionality in their free tiers. According to the company’s FAQ, “Currently we are in open beta and our services are absolutely free” [12].
Looking toward the future, Sortbilly plans to implement a subscription-based model, yet commits to maintaining a permanent free plan option. This approach suggests the platform aims to balance accessibility with premium features as it develops beyond the beta phase.
Sortbilly email alerts and reminders
One of Sortbilly’s most practical features is its notification system for upcoming charges. Users receive daily and weekly email digests that detail pending payments, effectively eliminating unwanted surprises on bank statements. These customizable alerts function as a safety net against forgotten trials that convert to paid subscriptions.
The reminder system integrates seamlessly with the dashboard view, ensuring users have multiple ways to track approaching payment dates. This dual-notification approach makes Sortbilly particularly valuable for those managing numerous subscriptions across different billing cycles.
TrackMySubs
Image Source: trackmysubs.com
Unlike consumer-focused alternatives, TrackMySubs positions itself as a specialized subscription manager app tailored specifically for business needs. This platform excels at organizing recurring payments for companies that need structured oversight of their digital expenditures.
TrackMySubs for small businesses
TrackMySubs serves as a virtual assistant for digital entrepreneurs, IT consultants, and small businesses managing multiple client relationships. The platform enables businesses to organize subscriptions through a deep categorization system using folders, tags, and payment methods. This structure proves particularly valuable for agencies handling client accounts, as each client’s subscriptions can be organized separately while still providing a comprehensive financial overview.
Business users benefit from the CSV import/export functionality that allows quick migration from existing spreadsheets. Additionally, the platform supports over 160 different currencies, making it ideal for companies with international operations or clients.
TrackMySubs pricing and plans
TrackMySubs offers a tiered pricing structure starting with a free option:
FREE Basic: Track up to 10 subscriptions, includes file storage, Zapier integration, and CSV import/export capabilities
Unlimited ($10 monthly/$99.99 annually): Provides unlimited subscriptions, folders, tags, payment types, alert recipients, and 1GB storage
Enterprise ($30 monthly/$299.99 annually): Adds multiple users, premium support, and unlimited file storage
Consequently, businesses can start without financial commitment and upgrade only when necessary. The 15% discount for annual payments represents significant savings for long-term users.
TrackMySubs calendar and graph views
The calendar feature gives businesses a comprehensive view of upcoming payments through multiple visualization options. Users can toggle between month and list views, with the latter showing scheduled payments in chronological order. Subsequently, filters allow viewing subscriptions by folder category or payment method, helping identify which accounts need funding.
The reporting functionality displays three distinct graphs: remaining monthly payments by category, a pie chart showing total expenses per category for the next 12 months, and monthly totals for the upcoming year. Each graph provides interactive elements—hovering over sections reveals specific spending amounts, while clicking on categories toggles their visibility, enabling focused analysis of particular expense types.
All these visualization tools help businesses identify where costs accumulate and opportunities for potential cutbacks exist.
Quicken Simplifi
Image Source: Quicken
Quicken Simplifi elevates personal finance management through its web-based platform that integrates subscription tracking within a broader financial dashboard. As part of the Quicken family, this subscription manager app takes a different approach from its desktop-based counterpart, focusing entirely on cloud accessibility.
Quicken Simplifi financial overview
The core strength of Simplifi lies in its consolidated financial view. After connecting your accounts, the dashboard displays spending patterns, upcoming bills, and investment performance all in one place. In addition to basic tracking, users can generate customizable reports based on spending, income, savings, and net worth with extensive filtering options.
Simplifi’s “Spending Plan” feature stands out by automatically calculating disposable income after accounting for bills and subscriptions. This clearly shows users how much money remains available for discretionary spending—a practical approach to avoiding overspending between paychecks.
Quicken Simplifi subscription tracking
To emphasize its subscription management capabilities, Simplifi automatically identifies recurring transactions through your connected accounts. Users can further categorize these as either “Bills” or “Subscriptions” based on personal preferences. The system then displays these recurring charges in a calendar view, making it easier to visualize upcoming payment dates.
Equally important, the app helps identify forgotten subscriptions by presenting all recurring charges in one organized view. However, it’s worth noting that Simplifi doesn’t offer automatic subscription detection—users must manually mark transactions as recurring or review suggested recurring items identified by the system.
Quicken Simplifi pricing and value
Simplifi typically costs $47.88 annually (equivalent to $3.99/month), though recent reports suggest a price increase to $71.88 yearly. New users can often access discounted rates of $35.88 for the first year. Unlike most competitors, Simplifi doesn’t offer a free trial but provides a 30-day money-back guarantee.
The value proposition includes free guided onboarding and access to phone and chat support—features that justify its position between basic free apps and higher-priced alternatives.
Chase Stored Cards
Image Source: ScribeUp
Chase Stored Cards represents a banking industry response to the subscription economy, offering a built-in solution exclusively for Chase credit cardmembers without requiring a separate subscription manager app. This free feature helps customers identify where their payment information lives online and monitor recurring charges across all their accounts.
Chase Stored Cards for Chase users
Chase credit cardmembers can access this feature through the Chase Mobile app by tapping “Profile,” then “Settings,” followed by “Security Center,” and finally “Stored Cards.” Alternatively, users can find it on the website under the Security & Privacy tab. Once accessed, users can view a comprehensive list of businesses that have stored their card information across all linked accounts.
The tool specifically shows which websites, services, and digital wallets have saved Chase card information. According to a 2021 survey commissioned by Chase, 90% of respondents considered it valuable to know where their card is stored at all times [13]. This visibility helps users maintain greater control over their digital financial footprint.
Chase Stored Cards recurring payment tracking
Beyond simply showing where cards are stored, the tool identifies and categorizes recurring payments. Chase Stored Cards distinguishes between regular stored cards and those used for repeating payments, helping users quickly identify subscription services.
Indeed, this feature addresses a significant pain point—the survey revealed that 60% of respondents have forgotten about at least one recurring payment [13]. Moreover, 71% of consumers estimate wasting more than $50 monthly on unused subscriptions [13]. The dashboard clearly displays which charges repeat regularly, making it easier to identify services to cancel.
Chase Stored Cards security features
From a security perspective, Chase Stored Cards integrates with Chase’s broader protection ecosystem. If users discover their card information stored on unfamiliar websites, they can utilize the card lock feature directly through the Chase Mobile app to prevent unauthorized purchases [14].
Additionally, users can take advantage of Chase’s biometric authentication options like face and touch ID for enhanced account security [14]. For those concerned about specific stored cards, Chase provides direct links to contact merchants to update or remove payment information.
Eno Capital One Assistant
Image Source: Capital One
Integrated directly within Capital One’s digital banking experience, Eno serves as an intelligent virtual assistant exclusively for cardholders seeking to gain better control over their recurring payments without downloading a separate subscription manager app.
Eno Capital One Assistant alerts
Eno continuously monitors Capital One credit card activity, sending timely notifications through multiple channels including SMS, email, app notifications, and even smartwatch alerts. The system automatically identifies patterns in spending and flags potential issues for immediate review. Yet Eno goes beyond basic monitoring by detecting:
Unusual increases in recurring charges
Suspicious or potentially fraudulent activity
Higher-than-normal tip amounts
Merchant refunds and credits
Card declines with explanations
Meanwhile, if Eno spots duplicate transactions—two identical charges from the same merchant on the same day—it sends an immediate notification, helping users avoid paying twice for the same service.
Eno Capital One Assistant free trial tracking
As a result of its transaction monitoring capabilities, Eno can identify when users sign up for free trials across select services. The assistant proactively asks if users want a reminder before the trial period expires, sending a notification one day before conversion to a paid subscription. This feature helps prevent unwanted charges from forgotten trials that automatically convert to paid memberships.
Eno Capital One Assistant security and fraud detection
Together with its subscription monitoring features, Eno offers robust security protections. Above all, the virtual card number feature stands out—users can generate unique 16-digit codes for online merchants through a browser extension available for Chrome, Firefox, Edge, and Safari. Each virtual card links to a specific website and can be locked or unlocked as needed, adding protection against data breaches.
For instance, if suspicious activity occurs, Eno sends real-time fraud alerts, allowing users to quickly confirm or deny transactions. The system even monitors for potentially compromised accounts, helping users maintain account security across their digital footprint.
Billbot
Image Source: Yahoo
Among the colorful array of subscription trackers, Billbot shines as a visually intuitive subscription manager app that helps users organize recurring expenses across various life categories. Despite its appealing interface, prospective users should note certain limitations before downloading.
Billbot app overview
Billbot functions as a straightforward tracking tool that simplifies monitoring recurring expenses through an organized dashboard approach. Originally launched as a comprehensive solution for managing both subscriptions and regular payments, the app offers categorization capabilities that help visualize spending patterns. The interface employs vibrant colors and recognizable icons to make subscription management more engaging than spreadsheet alternatives.
As of now, the app contains pre-loaded information for over 200 popular services, yet its development status raises questions. Given that the most recent update occurred in December 2020, even as both the community ratings and functionality remain positive, users seeking current subscription integrations might encounter outdated service listings.
Billbot pricing and availability
Currently, Billbot is free to download and use on iOS devices, requiring iOS 10.0 or later. In fact, its availability appears limited to Apple’s ecosystem—iPhone and iPod Touch specifically, with compatibility extended to Apple Vision. Android users looking for Billbot will typically find themselves disappointed, as multiple sources indicate the Android version is no longer accessible.
Billbot subscription tracking features
The app’s most valued capabilities include:
Multi-space organization that separates personal, family, and business subscriptions
Currency conversion functionality that unifies spending across different subscription currencies
Customizable notification system alerting users before subscriptions renew
Regarding practical functionality, Billbot provides both monthly and annual spending calculations, helping visualize the true cost of subscriptions over time. Henceforth, users can make informed decisions about which services truly provide value versus those consuming budget without delivering sufficient benefits. The reminder system remains particularly helpful for trial periods that quietly convert to paid subscriptions without notice.
Conclusion
Subscription manager apps serve as essential tools for anyone looking to gain control over their recurring payments. Each platform discussed offers unique advantages – from Rocket Money’s comprehensive financial management to Bobby’s minimalist design approach. Bank-specific options like Chase Stored Cards and Eno provide built-in tracking capabilities for their customers, while specialized solutions like TrackMySubs cater specifically to business needs.
Most apps offer free basic versions, allowing users to test features before committing to premium subscriptions. Advanced capabilities like bill negotiation services and subscription cancelation assistance often justify the additional cost through potential savings. Security remains paramount across all platforms, with bank-level encryption protecting sensitive financial data.
Choosing the right subscription manager depends largely on individual needs. Users primarily concerned with basic tracking might prefer free options like Billbot, while those seeking comprehensive financial management could benefit from feature-rich platforms like PocketGuard or Hiatus. The key lies in selecting a tool that matches both budget requirements and desired functionality.
References
[1] – https://www.rocketmoney.com/
[2] – https://help.rocketmoney.com/en/articles/2217739-how-much-does-rocket-money-cost
[3] – https://moneywise.com/managing-money/budgeting/rocket-money
[4] – https://www.rocketmoney.com/security
[5] – https://www.pcmag.com/reviews/pocketguard
[6] – https://help.pocketguard.com/hc/en-us/articles/360000016339-The-Newbie-s-Guide-to-PocketGuard
[7] – https://www.cnbc.com/select/best-budgeting-apps/
[8] – https://www.nerdwallet.com/article/finance/pocketguard-app-review
[9] – https://apps.apple.com/us/app/hiatus-subscriptions-bills/id977040079
[10] – https://play.google.com/store/apps/details?id=com.hiatus.android&hl=en_US
[11] – https://hiatusapp.com/learn/hiatus-guides/must-dos-for-managing-your-budget/
[12] – https://sortbilly.com/faq
[13] – https://media.chase.com/news/survey-from-chase-reveals
[14] – https://www.chase.com/personal/banking/education/basics/is-mobile-banking-safe