Five ways to keep track of what you pay for, compared honestly — including when the right answer is not our app.
Updated
Disclosure: we make Recurra AI, one of the apps on this list. We have tried to be fair — each entry says who it is actually best for, including when that is not us. Prices are accurate as of October 2026; check each app before you buy.
| App | Bank login | Your data | Price | Best at |
|---|---|---|---|---|
| Recurra AI | No | On your iPhone | Free (5 subscriptions); Pro $4.99/mo or $29.99/yr | On-device AI advice, reminders, price history, no bank login |
| Rocket Money | Yes (Plaid) | Their servers | Free tier; premium pay-what-you-want, commonly $7–$12/mo | Automatic detection, budgeting, cancellation concierge |
| Copilot Money | Yes | Their servers | Around $13/mo or $95/yr | Full budgeting and net worth |
| Bobby | No | On your iPhone | One-time purchase, a few dollars | A simple list with reminders |
| iPhone Settings → Subscriptions | No | Apple | Free, built in | Apple-billed subscriptions only |
A subscription and bill tracker with an on-device AI, Remi, that reviews your list and gives each subscription a verdict: keep, cancel, downgrade or watch. Reminders before every renewal, free-trial countdowns, price history, a charge calendar (Pro), widgets, and Ask Remi (Pro) for plain-language questions. You add subscriptions by screenshot, photo, catalog or by hand — there is no bank integration and no account. It runs on iPhone and iPad, and is optimized for iPhone Duo.
Not for you if: you want charges discovered automatically from your bank, or you use Android.
Connects to your bank through Plaid and surfaces recurring charges from your transactions, so it can find things you have genuinely forgotten. Adds budgeting, net worth and credit monitoring, and a paid concierge that cancels subscriptions and negotiates bills — bill negotiation takes a percentage of the first year's savings.
Not for you if: you do not want an app and an aggregator holding read access to your bank account.
A polished personal-finance app for budgeting, categorisation, net worth and investments. Subscriptions are one part of a much bigger picture. Requires connecting your accounts.
Not for you if: subscriptions are the whole problem — it is a lot of app for that one job.
A long-standing manual tracker: your subscriptions, their renewal dates and a reminder, stored on your device, for a one-time price. No advice, imports or price history, and that is the point.
Not for you if: your list is long enough that you have stopped evaluating it.
Built into every iPhone: Settings → your name → Subscriptions lists everything billed through your Apple Account, with renewal dates and a cancel button. It does not show anything billed directly by a service, and it does not remind you. How to use it.
Decide one thing first: will you connect your bank? If yes, an automatic app finds more but holds more. If no, a manual tracker is as useful as the list you give it — here is how to build that list in ten minutes.
Up to 5 subscriptions free, with reminders, Remi's monthly report and widgets. No bank login, no account.
Download Recurra freeIt depends on whether you will connect your bank. Rocket Money is strongest at automatic detection with a bank connection; Recurra AI gives on-device AI advice and reminders without one; Bobby is a simple one-time-purchase list.
Yes. Recurra AI and Bobby both work without any bank connection; you add subscriptions yourself, and Recurra can read a screenshot of your Apple subscriptions list.
Recurra AI is free for up to 5 subscriptions, Rocket Money has a free tier, and iPhone Settings → Subscriptions is free for Apple-billed subscriptions.