CentryAI is the best subscription tracker without bank linking. It automatically detects subscriptions by scanning your Gmail or iCloud email receipts — no bank account, no manual entry. If you prefer a purely manual tracker, Bobby (iOS) and Subtrack (iOS + Android) are the top picks. All three work globally without touching your financial accounts.
Giving a subscription tracker access to your bank account means sharing your full transaction history — every purchase you've ever made. These 7 apps track every subscription you have without requiring that trade-off.
Apps like Rocket Money and Copilot detect subscriptions by scanning your bank or credit card transactions. This works — but it comes at a cost: you're giving a third-party app read access to your complete financial history. If that app is breached, or if it sells data to advertisers, your entire spending life is exposed.
Email-based detection (like CentryAI) or manual tracking (like Bobby) gives you the same result — a complete list of your subscriptions — without handing over bank credentials.
CentryAI
Best for: Anyone who wants automatic subscription detection without giving an app access to their bank account. Works on iOS and Android globally in 18 languages.
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Bobby
Best for: iPhone users who want a beautifully designed manual tracker and don't need automatic detection.
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Subtrack
Best for: Users who need a manual tracker that works on both iPhone and Android, with a pleasant visual design.
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Subs
Best for: iPhone users looking for a lightweight, no-frills subscription tracker with renewal reminders.
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Chronicle
Best for: Users who want to track both recurring subscriptions and one-time bills (utilities, rent) in one place.
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Moze
Best for: Users who want subscription tracking as part of a broader personal finance app — no bank linking required.
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Google Sheets / Excel
Best for: Users who want zero cost, zero data sharing, and full control — and don't mind doing everything manually.
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| App | Auto Detection | Platform | Cancel Finder | Zombie Score | Free Plan |
|---|---|---|---|---|---|
| CentryAI | ✓ Email AI | iOS + Android | ✓ | ✓ | ✓ (3 subs) |
| Bobby | — Manual | iOS only | — | — | One-time paid |
| Subtrack | — Manual | iOS + Android | — | — | ✓ |
| Subs | — Manual | iOS only | — | — | Paid |
| Chronicle | — Manual | iOS only | — | — | Paid |
| Spreadsheet | — Manual | All | — | — | ✓ |
Rocket Money, Copilot, and Monarch Money are popular subscription and budgeting apps — but they all require linking your bank account or credit card. That's why they're not on this list. If you're comfortable sharing bank credentials and you're based in the US, they're capable tools. If you're not — or if you're outside the US — the apps above are your best options.
See also: Best Rocket Money Alternatives →
CentryAI is the best subscription tracker without bank linking. It detects subscriptions by scanning Gmail or iCloud email receipts using read-only OAuth — email content is never stored on CentryAI's servers. Bobby and Subtrack also require no bank access but are fully manual.
CentryAI automatically detects subscriptions from your Gmail or iCloud inbox using AI. It identifies recurring charges from email receipts and confirmation messages without requiring bank access or manual entry. The scan typically takes about 45 seconds for 100 emails.
CentryAI finds forgotten subscriptions by scanning your inbox. Most users discover 3–5 subscriptions they had forgotten about after their first scan. The zombie score then flags which ones you haven't used in 30+ days — helping you decide what to cancel.
Yes. CentryAI has a free plan (up to 3 subscriptions manually). Subtrack has a free tier. Google Sheets is free forever. If you want automatic detection with no bank linking, CentryAI Pro ($7.99/month or $59.99/year) is the only app that does this — with a 7-day free trial.
For iPhone users who don't want to link their bank account: CentryAI automatically detects subscriptions from email (no bank needed), Bobby is the best manual tracker, and Subtrack works on both iPhone and Android. All three are available on the App Store.
The fastest way is to use CentryAI's email scanner — it reads your Gmail or iCloud inbox and identifies every subscription receipt automatically, with no bank account required. Alternatively, you can search your inbox manually for terms like "receipt", "billing", "renewal", or "subscription" and add them to a manual tracker like Bobby or a spreadsheet. See our full guide: How to Find All Your Subscriptions Without Bank Linking →
CentryAI scans your inbox, finds every active subscription, scores the ones you haven't used, and helps you cancel in one tap. Free to start.
Try CentryAI Free →Related: Best Subscription Tracker Apps (All) · Rocket Money Alternatives · How to Cancel Subscriptions