SubTracker.io review
A manual-entry subscription tracker with no bank connection.
Our Verdict
We operate SubTracker, so treat this entry as a description rather than a recommendation. On our published scoring model it places third of the nine products we could document fully — behind Toshl Finance and TrackMySubs. It scores well on privacy and bank-connection optionality because it never asks for bank access at all, and it loses points on platform availability: it is a web application, with no native iOS or Android app. If you want a tracker on your phone as an installed app, several products on this page fit better.
This number is computed, not assigned. It is the weighted average of the criteria below, using weights published in advance and applied identically to every product on this site.
| Criterion | Weight | Score |
|---|---|---|
| Privacy & data handlingWhether the app can operate without harvesting your full banking history, and what its policy says about sharing or monetising data. | 15% | 10.0 |
| Bank-connection optionalityWhether you can use the product WITHOUT linking a bank account. Apps that require a bank link score lower here — not because bank sync is bad, but because it removes the user's choice. | 10% | 10.0 |
| Platform availabilityWeb, iOS and Android coverage. Single-platform products score lower because your data becomes device-bound. | 12% | 4.0 |
| EU/EEA suitabilityAvailability to European users, multi-currency handling, and whether the product is designed around European banking and consumer reality. | 13% | 10.0 |
| Core subscription trackingRecording subscriptions with amount, currency, billing interval, renewal date and category. | 15% | 10.0 |
| Renewal remindersWhether the product warns you before a renewal charge, and through which channel. | 10% | 10.0 |
| Reporting & data exportSpending breakdowns, annual projections, and the ability to get your own data back out. | 10% | 10.0 |
| Pricing & valueCost of the paid tier relative to what it unlocks, and whether a genuinely usable free tier exists. | 15% | 8.5 |
What we did not test
We have not run paid accounts on every product, so we do not score ease of use or support quality, and we do not claim hands-on testing anywhere on this site. This assessment is built from publicly checkable sources: vendor pricing pages, app-store listings and published documentation. Pricing for SubTracker.io was checked against the vendor's own pricing page on 2026-08-11.
Pros
- ✓Never asks for bank access — subscriptions are entered by hand
- ✓Multi-currency display, including EUR, CHF and GBP
- ✓Email reminders before a renewal date
- ✓A free plan exists
- ✓Annual cost view makes the true yearly total visible
Cons
- ✗Web application only — no native iOS or Android app
- ✗Manual entry means nothing is detected for you
- ✗Paid plan is priced in USD, which adds a conversion step for EU cardholders
- ✗Data is stored in London, United Kingdom — not inside the EU
- ✗Operated by the same company that runs this website
Design & User Experience
We are not going to rate our own product's interface. Any praise we wrote here would be worth nothing to you, and we have not run the kind of comparative usability study that would let us place it against the other 17 products fairly. What we can state factually: SubTracker is a web application accessed in a browser, it works on a phone browser, and there is no native iOS or Android app to install. Ease of use is deliberately excluded from our scoring model for every product on this site, for the same reason.
Privacy & Data Security
SubTracker has no bank connection at all — not as a requirement and not as an option. Subscriptions are entered by hand. That is a real trade-off, not a pure win: it means nothing is discovered for you, and a subscription you have forgotten stays forgotten until you remember it. What it does mean is that no open-banking credentials are involved. Note that this is not unique here — Bobby, Subby, TrackMySubs, QuitSub and a spreadsheet all work the same way, and Toshl and Spendee make bank sync optional rather than mandatory. On data location: SubTracker's database is hosted in London, United Kingdom. It is not hosted in the EU, and we have corrected earlier copy on this site that said otherwise.
Features in 2026
SubTracker records subscription name, amount, currency, billing interval and renewal date, groups them by category, and projects the annual total. Email reminders are sent ahead of a renewal date. We have removed the previous claim that reminders arrive on a fixed 3-day and 7-day schedule, because we could not confirm those exact intervals from the product itself. SubTracker does not monitor provider price changes, does not import anything automatically, and does not cancel anything on your behalf.
Pricing
SubTracker has a free plan and a Plus plan at $5.90 per month or $49 per year, checked against subtracker.io/pricing on 11 August 2026. We have withdrawn the earlier claim that the free plan covers unlimited subscriptions — the limit is enforced by the product's backend and we have not independently confirmed it, so we no longer state a figure. Both paid prices are quoted in USD, so a European cardholder pays whatever their card issuer's conversion works out to. On our scoring model this puts SubTracker mid-pack on price: Toshl, Subby, QuitSub and Money Manager all start lower.
Who Should Use SubTracker.io?
SubTracker fits if you want a browser-based tracker that never asks for bank access and you are willing to type your subscriptions in yourself. It does not fit if you want an installed phone app, or if you want subscriptions found for you rather than entered by you. Because we operate it, we would rather point you at the comparison table and the scoring breakdown than tell you what to choose: Toshl Finance scores higher than SubTracker on our model, and TrackMySubs does too.
Pricing in 2026
Who Is This For?
People who want a tracker that never touches their bank account and are happy working in a browser
Anyone who wants an installed phone app, or automatic detection of subscriptions
Frequently Asked Questions
Is SubTracker.io free?
There is a free plan. We do not state how many subscriptions it covers, because we have not independently confirmed the limit. The Plus plan is $5.90/month or $49/year (checked 11 August 2026). SubTracker does not have price-hike alerts — that claim was wrong and has been removed.
Does SubTracker.io connect to my bank?
No. SubTracker has no bank connection, as a requirement or an option. You enter each subscription yourself.
Is SubTracker.io available in Europe?
Yes, it is reachable from Europe and displays amounts in EUR, GBP and CHF among others. One thing to be aware of: the database is hosted in London, United Kingdom, so your data is stored outside the EU.
Can SubTracker.io remind me before renewals?
Yes — email reminders are sent ahead of a renewal date. We do not state the exact number of days, because we could not confirm the specific intervals.