Subscription tracker that never asks for your bank login

The problem

Most subscription trackers want to connect to your bank account, which many people won't allow. Without that link, free trials quietly roll into paid plans and annual renewals arrive as a surprise. Cancelling is its own chore, because every service hides the option in a different menu.

For: Privacy-minded consumers · Families sharing streaming plans · Freelancers with many SaaS tools

Why now

The FTC's click-to-cancel rule, announced in October 2024, was vacated by a federal appeals court in July 2025, and in March 2026 the FTC was back at the advance-notice stage of rulemaking. In a 2022 C+R Research survey, consumers guessed they spent $86 a month on subscriptions; their itemized total averaged $219.

Demand signals

Monthly Google searches in the US, pulled 2026-09-24. These are the words people with this problem actually type.

• how to cancel subscriptions22,200
• subscription tracker app1,600
• rocket money alternative720

What exists already

• Rocket Money ↗Finds subscriptions from bank transactions; its help center says the app needs at least one linked checking account.
• Bobby ↗Manual tracker with no bank link, but iPhone-only; no iPad, Android or web version.
• TrackMySubs ↗Web tracker aimed at freelancers and businesses; the free plan covers 10 subscriptions, then $10/month.

MVP scope

1. Catalog of common services with typical prices, so adding one takes two taps
2. Free-trial countdown with a reminder the day before the first charge
3. Renewal calendar and monthly/annual totals by category
4. Cancel guides with direct links to each service's cancel page
5. Shared household list so couples see the same subscriptions
6. Data stored on the device, with optional encrypted backup