The 5 Best Recurring Payment Trackers in 2026 (One Doesn't Charge You Monthly)
Five trackers compared. One of them never bills you monthly.
Full disclosure first
We built SubHound. So yes, we have a dog in this fight. But we also know this corner of the internet better than most, and we have tried to be fair. Every tool below does something well. Prices are right at the time of writing, so check before you buy.
The quick comparison
| Tool | Price | Needs your bank login | Platform | Best for |
|---|---|---|---|---|
| SubHound | Free dashboard, £49 once for lifetime alerts | No | Web, any device | Control without sharing bank data |
| Rocket Money | Free, Premium US$6 to $12 a month | Yes (Plaid) | iOS, Android, web | US users who want full automation |
| Emma | Free, Pro from about £4.99 a month | Yes (open banking) | iOS, Android | A full money dashboard |
| Bobby | One-off purchase, a few pounds | No | iOS only | iPhone users who want simple manual tracking |
| Snoop | Free | Yes (open banking) | iOS, Android | Free UK insights, if you do not mind the nudges |
1. SubHound
The one that does not charge you monthly
SubHound works on one idea: you should not need a subscription to manage your subscriptions.
- Free dashboard. Add every subscription, direct debit, standing order and annual contract. No card required.
- Smart Import. Paste a bank statement line or an email receipt and AI fills in the details. You confirm. No bank connection needed.
- Alerts that matter. Email, SMS, WhatsApp or calendar alerts before every renewal, price rise and contract end.
- £49 once. The founding deal at the time of writing: lifetime alerts, no monthly fee, ever.
No bank login. No screen scraping. Your financial data stays with your bank, where it belongs.
2. Rocket Money
The biggest name in the US, formerly known as Truebill. Connect it to your bank and it finds your subscriptions automatically. It will even cancel some of them for you.
- Good: automatic detection, a cancellation service, and a bill negotiation feature that has genuinely lowered bills for people.
- Not so good: Premium is a monthly subscription of US$6 to $12, depending on what you choose to pay. The negotiation service takes a cut of your first year's savings. It is built for the US, so UK support is thin. And it needs your bank login through Plaid.
3. Emma
A UK favourite. Emma is a full money management app that also happens to track subscriptions well, connected to your accounts through open banking.
- Good: polished app, UK focused, sees everything across your accounts in one place.
- Not so good: the useful features sit behind Emma Pro, from about £4.99 a month. That is roughly £60 a year, every year, to track your subscriptions. And it wants read access to all of your accounts, not just the ones with subscriptions on them.
4. Bobby
A beautiful little iOS app. Manual entry, a one-off purchase of a few pounds, done.
- Good: cheap, private, no bank connection, genuinely nice design.
- Not so good: iPhone only. No web version, no Android, no laptop. It also only tracks subscriptions, not the wider world of direct debits, standing orders and annual contracts.
5. Snoop
A free UK app that uses open banking to spot your recurring payments and suggest where you could save.
- Good: genuinely free, UK built, good at surfacing payments you forgot about.
- Not so good: free means you are the product. Snoop makes money by pointing you at partner deals, so the app is always nudging you towards a switch that pays them. And it needs your bank connection to work at all.
So which one should you pick?
In the US and want full automation? Rocket Money is the safe pick. Want a free UK app and happy to share your banking data? Snoop works. Live on your iPhone? Bobby is lovely.
But if you want alerts before every renewal, on any device, without handing over your bank login, and without adding another monthly subscription to the pile you are trying to shrink: that is exactly why we built SubHound.
The dashboard is free. If you want alerts beyond the free allowance, it is £49 once, not monthly. There is no subscription to cancel, because we never asked you for one.