Subscription tracker apps in 2026: how to find every subscription, and the apps that cancel them for you

When C+R Research asked 1,000 Americans what they spend on subscriptions each month, the average guess was $86. When the same people itemized every charge, the real number was $219, and 42 percent admitted they'd kept paying for something they had stopped using. That gap is where your Tuesday-night Hulu charge lives, next to the meditation app from a hard February and a free trial that turned into a paying customer eight months ago. None of that is carelessness. Auto-renewal is designed so you never have to decide, and not deciding is exactly what it counts on. This guide does two things: shows you how to find every subscription you're paying for in the next twenty minutes, then compares eight subscription tracker apps, including the two that will do the cancelling for you.

Key takeaways

How to find all your subscriptions right now

Before you download anything, run this audit. It takes about twenty minutes and it's the same work a subscription tracker app does on day one, minus the app.

• Search three months of statements. Every card and checking account, including the one you only use for Amazon. Sort by merchant and look for the same name at the same interval. A line that just says "Apple" or "Google" is a flag to dig further, not a dead end.
• Open your Apple subscriptions screen. On iPhone, go to Settings, tap your name, then Subscriptions. Apple's own guide shows active and expired ones on the same screen, and you can cancel right there.
• Open your Google Play subscriptions screen. On Android, open the Play Store, tap your profile, then Payments and subscriptions, then Subscriptions (Google's support page has the path). Check both stores if you've switched phones, because subscriptions follow the account.
• Search your email. Two searches catch most of what statements miss: "your subscription" and "receipt". Sort by sender and you'll see every company that bills you, including the annual ones that only show up once.
• Check PayPal's automatic payments. Settings, Payments, Automatic payments. Forgotten charges hide here because your statement says PayPal, not the merchant.

Write the list down with the annual cost next to each one. "$12.99 a month" and "$156 a year" are the same number, but only one of them makes you honest about a service you opened twice.

💡 Economists Liran Einav, Benjamin Klopack and Neale Mahoney studied millions of card records and found that when a card gets replaced and every subscription has to re-ask for payment details, retention drops from roughly 75 percent to about 52 percent in a single month. People hadn't valued those services for a while. They just hadn't been asked. Your audit is that question, asked on purpose.

Why a subscription tracker that only tracks leaves the hard part to you

Finding Hulu is the easy half. The hard half is the "are you sure?" screens, the cancellation flow buried four menus deep, and doing that eleven times. Most people make the list, cancel two things, and the other nine renew. That's not a willpower failure. It's what happens when a tool turns a passive charge into an active to-do and walks away. So the field below is split by how much work each one takes off your plate: trackers that list, budget apps with a tracker inside, and services that cancel for you.

1. Apple and Google's built-in subscription screens

What it does: Lists every subscription billed through your Apple ID or Google account, active and expired, with renewal dates and a cancel button on the same screen.

Best for: Everyone, as the first stop. If most of your subscriptions are apps, this screen is the tracker.

Where it falls short: It only sees what's billed through that store. Netflix on your credit card, your gym, the newsletter you pay for by PayPal: invisible. And it only covers one account at a time.

Pricing (as of October 2026): Free.

Key differentiator: It's the only tool on this list that both finds and cancels for free, within its narrow lane.

2. impause

What it does: impause is an AI money agent for millennials and Gen Z. It finds the money you're wasting, gets it back for you, and helps you stop wasting it. On subscriptions, that means it connects to your accounts through Plaid, groups every recurring charge across every card, flags the ones you haven't used, and opens the conversation with the one worth your attention: "Hulu, $17.99 a month, last opened in June. Want me to cancel it?" You tap approve. The cancellation runs on your own device in your own browser session, so your passwords never touch impause's servers, and it confirms when the charge stops. The same one-approval flow covers bank fee refunds and class-action settlement claims. If you want the detail on how that works, we wrote up the app that cancels subscriptions for you.

Best for: People who want the subscriptions found, cancelled and confirmed without opening a dashboard or making a phone call.

Where it falls short: iOS and US only. There's no free tier, just a free trial, and it's the newest product in this roundup, so the cancellation playbooks are still expanding. It doesn't do budgets, net worth or bill negotiation. If you want a full personal-finance dashboard, this isn't it.

Pricing (as of October 2026): $10 a month or $80 a year, with a free trial.

Key differentiator: One approval, not a to-do list. It's the only tool here where "I found it" and "it's gone" are the same tap.

3. Rocket Money

What it does: The best-known name in the category and the most complete dashboard: automatic subscription detection on the free tier, plus budgets, net worth, credit monitoring and a bill negotiation concierge. Cancellation is a Premium feature: you request it in the app and Rocket's team handles it.

Best for: People who want one app for everything money-related and don't mind a bigger interface.

Where it falls short: The free tier finds subscriptions but doesn't cancel them. Bill negotiation, which works on both tiers, keeps 35 to 60 percent of your first-year savings as a one-time fee, and you choose where in that range you land. Rocket Money is owned by Rocket Companies, the Rocket Mortgage parent, which is worth knowing when the app suggests refinancing. Our full Rocket Money review goes deeper.

Pricing (as of October 2026): Free tier. Premium is on a sliding scale you pick yourself, which Rocket's help center doesn't pin to a number; The Penny Hoarder's review puts it at $7 to $14 a month. 7-day trial.

Key differentiator: The widest feature set, with a human concierge behind the cancellation and negotiation.

4. Bobby

What it does: A manual subscription tracker for iPhone. You type each subscription in, pick a billing cycle, and Bobby shows you the monthly total and reminds you before each renewal. No bank connection.

Best for: Privacy-minded people with a short list who've already done the audit above and want a clean place to keep it.

Where it falls short: It can only track what you remember to enter, which is the whole problem for a lot of us. The App Store listing shows the last update in December 2025, so development is slow. No cancelling, no detection.

Pricing (as of October 2026): Free to download, with the free version capped at a handful of subscriptions. One-time in-app unlocks run $0.99 to $2.99, and the All-in-one Pack v2 at $2.99 removes the limits.

Key differentiator: The cheapest tracker that still looks good, with no data leaving your phone.

5. Subby

What it does: Bobby's Android counterpart. Manual entry, flexible billing schedules, payment reminders, multiple currencies, and a home-screen widget on the Pro tier.

Best for: Android users who want the Bobby experience.

Where it falls short: Same limits as any manual tracker: it only knows what you tell it. The free version has ads, and the Pro unlock price varies by store, landing somewhere in the $2 to $5 range depending on region.

Pricing (as of October 2026): Free with ads. Pro is a one-time unlock, typically $2 to $5.

Key differentiator: The most polished manual tracker on Android, with a one-time price instead of yet another subscription.

6. TrackMySubs

What it does: A web-based tracker built for people who manage subscriptions for a side business or household: renewal alerts, categories, cost reports, and a shared view.

Best for: Freelancers and small-business owners tracking software spend, or anyone who wants a browser tool rather than a phone app.

Where it falls short: It's a spreadsheet with reminders, and the paid tiers charge a subscription to track subscriptions.

Pricing (as of October 2026): Free for up to 10 subscriptions. Paid plans are $6 a month for 20, $12 for 50, and $18 for unlimited.

Key differentiator: The only one here designed around business subscriptions and sharing.

7. Monarch Money (and YNAB)

What it does: Monarch is a full budgeting and net-worth app that includes a recurring-transactions view, so your subscriptions show up automatically alongside everything else. YNAB does something similar through its scheduled transactions, inside a zero-based budgeting method.

Best for: Couples and households that want a complete budgeting system and are happy to get subscription tracking as a side benefit.

Where it falls short: You're paying for a budgeting app. If the subscription list is all you want, this is a lot of software and a lot of money for it. Neither cancels anything. We've compared impause and Monarch in more detail if you're weighing the two.

Pricing (as of October 2026): Monarch is $14.99 a month or $99.99 a year, first week free. YNAB is $14.99 a month or $109 a year, 34-day trial.

Key differentiator: Subscription tracking inside the strongest budgeting tools on the market, for people who actually want to budget.

8. Copilot Money

What it does: A design-led budgeting app for Apple devices with a dedicated "Spot subscriptions" feature that flags recurring charges you may have forgotten and shows upcoming ones.

Best for: Apple-only households who want a beautiful spending app and a subscription view in one.

Where it falls short: Apple and web only, no Android. It flags, it doesn't cancel. And like Monarch, the subscription feature is a side dish to a $95-a-year budgeting main course.

Pricing (as of October 2026): $13 a month or $95 a year, one-month trial.

Key differentiator: The best-looking recurring-charges view of the budget apps.

Comparison table: subscription tracker apps at a glance

How to choose a subscription tracker app

Start with one honest question: do you want a list, or do you want the list to get shorter?

If you want a list and won't link a bank, Bobby on iPhone or Subby on Android plus your phone's built-in screen covers it for a few dollars, once. Do the audit above first, because manual entry is only as good as your memory.

If you already want a budgeting app, pick the budgeting app and treat subscription tracking as included. Monarch for couples, YNAB for the envelope method, Copilot if you're all-Apple. You'll still be cancelling by hand.

If you want the subscriptions found across every card and ended without the phone calls, you're choosing between Rocket Money Premium and impause. Rocket gives you more app: budgets, credit score, net worth, and a negotiation service that takes a cut. impause gives you less app and more done: it opens with the leak already found, you approve, it's gone, and it confirms the charge stopped. Dashboard to manage, or agent to approve.

Whichever you pick, watch for what we'd call the Virtuous List: you make the list, feel the relief of knowing, and the list sits there. Knowing isn't the win. The cancelled charge is. If you'd rather do the cancelling yourself, our guide to how to cancel subscriptions covers the services that make it hardest.

Frequently asked questions

How do I find all my subscriptions?

Search three months of statements on every card for merchants that repeat at the same interval, then check your Apple subscriptions screen (Settings, your name, Subscriptions), your Google Play subscriptions page, and PayPal's automatic payments. Finish with two email searches, "your subscription" and "receipt", to catch annual charges that only show up once. A bank-connected tracker like impause or Rocket Money does this across every account automatically.

What is the best subscription tracker app?

It depends on how much you want done. For a free list, your phone's built-in subscriptions screen is the best start. For a manual tracker, Bobby (iPhone) or Subby (Android) cost a few dollars once. For automatic detection plus cancellation, impause cancels with one approval, and Rocket Money Premium handles cancellation requests inside a larger budgeting app.

Is there an app that cancels subscriptions for you?

Yes. impause finds the subscriptions you've stopped using, asks you to approve each cancellation, runs it on your device, and confirms when the charge stops. Rocket Money's Premium tier lets you submit cancellation requests that its team completes. The manual trackers and budget apps on this list show you the subscriptions but leave the cancelling to you.

Is Rocket Money worth it for subscriptions?

If you want a full budgeting dashboard and a human concierge, the free tier's subscription detection is a solid start and Premium adds cancellation. If subscriptions are the only thing you care about, weigh the Premium cost ($7 to $14 a month) against what the cancellations are worth, and skip bill negotiation unless you're comfortable paying 35 to 60 percent of first-year savings as the fee. We break down the math in is Rocket Money worth it.

Get the subscriptions found and cancelled for you

You probably have a Virtuous List forming already. The agent's job is to make sure it doesn't stay a list. impause connects to your accounts, finds the subscriptions you forgot, flags the ones you haven't used, and cancels each one the moment you approve, then watches to confirm the charge stopped. Download impause on iOS, or read more about the AI money agent and what else it gets back for you.

Sources

• C+R Research, subscription spending estimates vs actual, 42% kept paying for unused services
• NBER Digest: consumer inattention and subscription renewals (Einav, Klopack, Mahoney)
• Apple Support: view or cancel subscriptions
• Google Play Help: cancel a subscription
• Rocket Money help center: Premium pricing and the 35 to 60 percent negotiation fee
• The Penny Hoarder: Rocket Money review 2026, Premium price range
• Bobby on the App Store, in-app purchase prices
• AlternativeTo: Subby pricing and platform
• Capterra: TrackMySubs pricing
• Monarch pricing, YNAB pricing, Copilot Money

Prices checked October 12, 2026. Rewritten October 12, 2026 from the July 2026 version.