Track your subscriptions without paying for another subscription. These 6 apps offer meaningful free tiers — compared by features, limits, and trade-offs.

TL;DR: The best free subscription trackers in 2026: WalletHub (completely free, bank-linked), Rocket Money Free (unlimited tracking, bank-linked), ReSubs Free (no bank access), Tilla Free (5 subscriptions, Android), Bobby (free base + one-time purchase), and Subby (free with ads). If you want no bank access, ReSubs or Tilla. If you want unlimited free tracking, WalletHub or Rocket Money.

Paying for a subscription to track your subscriptions feels ironic. The good news: several solid tracker apps offer meaningful free tiers. The trade-offs vary — some require bank access, others limit how many subscriptions you can track, and a few show ads. Here are the 6 best free options, compared honestly.

What "Free" Actually Means

Not all free tiers are equal. Here is a quick breakdown of what each app trades for the $0 price tag:

1. WalletHub — Best Completely Free Option

Platforms: iOS, Android, Web | Free limits: None — everything is free | Bank required: Yes

WalletHub is a personal finance platform that offers subscription tracking as one feature alongside credit score monitoring, credit card recommendations, and budgeting tools. There is no premium tier — everything is free, funded by affiliate revenue from financial product recommendations.

The AI-powered transaction cleanup automatically identifies recurring charges from your bank data. You get unlimited tracking with no subscription count limits and no ads.

The catch: WalletHub requires bank linking and processes broad financial data including credit scores and spending patterns. Subscription tracking is a secondary feature in a larger financial product ecosystem.

Best for: US-based users comfortable with bank access who want free tracking with no limits.

2. Rocket Money Free — Best Free Unlimited Tracking

Platforms: iOS, Android, Web | Free limits: Unlimited subscription tracking | Bank required: Yes

Rocket Money's free tier is genuinely generous: unlimited subscription detection from your bank transactions, basic renewal alerts, and spending categorization. The Premium features you miss are bill negotiation, cancellation service, and detailed reports — but the core tracking is fully functional.

The catch: Requires Plaid bank access. Premium features (bill negotiation, cancellation) are where Rocket Money adds the most unique value, and those are behind the paywall.

Best for: US-based users who want unlimited auto-detected tracking and do not need bill negotiation.

3. ReSubs Free — Best Free Option Without Bank Access

Platforms: iOS, Android | Free limits: Limited subscriptions | Bank required: No

ReSubs Free tracks subscriptions with no ads, no bank connection, and no data collection. You get the full feature set on the free tier: multi-currency support, renewal reminders, spending analytics, home screen widgets, and access to all 30+ cancel guides.

If you need more, Premium unlocks unlimited subscriptions and all features.

The catch: The free tier has limits. If you need full access, you will need to upgrade to Premium.

Best for: Anyone who wants subscription tracking with zero data sharing.

4. Tilla Free — Best Free Android Tracker

Platforms: Android, Huawei AppGallery | Free limits: Limited subscriptions | Bank required: No

Tilla's free tier is similar to ReSubs': limited subscriptions, no ads, no bank access. The interface is clean Material Design 3 with a calendar view and home screen widget. It is offline-first and lightweight.

If you outgrow the free tier, Tilla Premium is a one-time $2.99 lifetime purchase — the cheapest upgrade path of any tracker.

The catch: Android only, no iOS. Manual entry only with no import tools.

Best for: Android users who want a clean, free tracker with the cheapest possible upgrade path.

5. Bobby Free — Best Free iOS Tracker

Platforms: iOS only | Free limits: Basic tracking (limited features) | Bank required: No

Bobby's base app is free with core tracking functionality. The one-time in-app purchase unlocks additional features like custom icons and extended capabilities. With a 4.7-star rating from nearly 8,000 reviews, it is one of the most polished free options on iOS.

The catch: iOS only. Limited features on the free tier compared to the paid unlock.

Best for: iOS users who want a beautiful, free tracker and may eventually pay a one-time fee for extras.

6. Subby Free — Best Free Unlimited (No Bank)

Platforms: iOS, Android | Free limits: Unlimited subscriptions | Bank required: No

Subby offers unlimited subscription tracking on both platforms without requiring bank access. You add subscriptions manually, set billing schedules, and get payment alerts. The free tier is ad-supported.

The catch: Ads on the free tier. $2.99 one-time purchase removes them. Manual entry only — no CSV, Gmail, or AI import.

Best for: Users who want unlimited free tracking on both platforms and do not mind ads.

How to Choose

The most important thing is to use something. Americans underestimate their subscription spending by 2.5x on average. Even a free tracker with limits is better than no tracker at all — it surfaces the charges you have forgotten about and puts every renewal back under your control.

Track all your subscriptions in one place

Free on iOS and Android. No bank connection required.