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Here are the best subscription trackers to help you stay on top of recurring payments

These top subscription trackers reviewed by Select are for app lovers and certain credit card users.

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Select’s editorial team works independently to review financial products and write articles we think our readers will find useful. We may receive a commission when you click on links for products from our affiliate partners.

With most Americans spending the last year stuck indoors, many filled their time by signing up for at-home virtual fitness memberships, meal kit deliveries and streaming services. Without a doubt, subscription services like Peloton, Blue Apron and Netflix make our lives easier and more enjoyable.

But these recurring payments that get automatically withdrawn from our bank account each month can add up fast — especially when we forget about canceling that one free trial (or two or three). It's only normal that some subscriptions get forgotten about.

In fact, in a recent survey, Chase found that two-thirds of consumers admit to forgetting about at least one recurring payment they've signed up for in the last year.

Luckily, there are plenty of tools out there that can track recurring payments for you, plus some that will even negotiate bills on your behalf. Signing up for one can help you keep tabs on those unwanted subscriptions that you may no longer need but forgot you were still paying for.

To determine which tools are the best overall, Select reviewed and compared over a dozen mobile apps and websites. While the more robust options offer free versions or free trials, you often have to pay a fee to get the most value out of them. We also included two options from credit card issuers that come at no cost to cardholders and can be a great perk to watch out for when shopping around for your next credit card.

To rank our top selections, we narrowed down the choices by looking for trackers that people can access in a variety of different ways, whether it be by texting with a third-party service, using an app or getting notifications from their credit card issuer. We compared their pricing, features, availability and ease-of-use.

Below, we review the top five subscription trackers. (See our methodology for more information on how we choose the best subscription trackers.)

Best subscription trackers

Subscription tracker FAQs

Best overall

Truebill

On Truebill's secure site
  • Cost

    Free, with option to upgrade to Truebill Premium Service for fee of $3 to $12 per month; bill negotiation costs between 30% to 60% of the 12-month savings achieved as a result of the negotiation

  • Standout features

    Easily cancel unwanted subscriptions, track your spending and credit score, automate savings and get help lowering bills

  • Categorizes your expenses

    Yes, Truebill instantly identifies your top spending categories

  • Links to accounts

    Yes, bank and credit cards

  • Availability

    Offered in both the App Store (for iOS) and on Google Play (for Android), as well as online

  • Security features

    Truebill accesses users' transaction data via an encrypted token, uses Plaid API so user credentials are never stored, provides bank-level 256-bit encryption and hosts servers on secure Amazon Web Services (AWS), which is used by the Department of Defense, NASA and the Financial Industry Regulatory Authority (FINRA)

See our methodology, terms apply.

Pros

  • Negotiates cell phone and cable bills, plus helps you get refunds for some bank fees
  • Free version available
  • Syncs to your bank accounts and credit cards
  • Instantly finds and tracks your subscriptions
  • Website says 80% of people save money by using Truebill to find and cancel unwanted subscriptions
  • Provides breakdown of user spending and notifies of upcoming charges and low balance alerts
  • Helps users create a budget
  • Users can see their Experian VantageScore 3.0 credit score and get access to their credit report
  • Provides an interest-free pay advance up to $100 directly to qualifying users' checking accounts
  • Users can set goals, save money with autopilot Smart Savings feature
  • Concierge service available to identify bills to be lowered and, for a fee, Truebill will negotiate on users' behalf for the best rates (non-refundable negotiation fee is anywhere from 30% to 60% of the 12-month savings achieved as a result of the negotiation)
  • Truebill Premium Service features include free access to Smart Savings feature, unlimited budgeting categories, custom spend categories, real-time account balance updates, premium chat, subscription cancellation concierge, “Truebill Offers" and educational material
  • Coming soon: Users can track their net worth
  • High Trustscore rating of 4.3/5 stars (from 392 reviews)

Cons

  • Costs between $3 and $12 per month to upgrade to Truebill Premium Service
  • Non-refundable negotiation fee anywhere from 30% to 60% of the 12-month savings achieved as a result of Truebill's bill negotiation on users' behalf
  • Less than 10 Better Business Bureau reviews
  • Does not negotiate internet, landline phones, cable/phone/internet bundles, alarm and security systems, satellite radio/TV or electric bills

Best for texters

AskTrim.com

On Trim's secure site
  • Cost

    Offers 14-day free trial, after it's $99 per year; one-time bill negotiation fee is 33% of total annual savings

  • Standout features

    Communicates via SMS text: Scans users' bills and texts them to get permission to cancel any subscriptions it finds. Users can easily ask questions

  • Categorizes your expenses

    No

  • Links to accounts

    Yes, bank and credit cards

  • Availability

    Offered online and via SMS text

  • Security features

    Trim uses major bank 256-bit SSL encryption and Plaid API so user credentials are never stored, hosts servers on secure Amazon Web Services (AWS), which is used by the Department of Defense, NASA and the Financial Industry Regulatory Authority (FINRA), plus two-factor authentication or OAuth when signing in

See our methodology, terms apply.

Pros

  • 14-day free trial available
  • Syncs to your bank accounts and credit cards
  • Makes it easy to cancel unwanted subscriptions
  • Website says customers save over $600 in their first year on average
  • Trim negotiates cable, internet, phone and medical bills, plus credit card interest rates, for a fee (Trim works with Comcast, Time Warner, Verizon and most other providers)
  • You can also ask Trim (via SMS or Facebook Messenger) questions like how much you spent with a certain merchant or for info on your credit card balance
  • Offers a FDIC-insured high-yield savings account called Trim Simple Savings with a 4% annualized bonus on users' first $2,000 saved and .001% on any amount saved after that

Cons

  • $99 annual subscription
  • One-time bill negotiation fee is 33% of total annual savings
  • Does not negotiate satellite radio, electric or utility bills
  • Has less-than-average Better Business Bureau score (2.53-star BBB rating with 46 customer reviews with 79 customer complaints in the last three years)

Best for app users

PocketGuard

Information about PocketGuard has been collected independently by Select and has not been reviewed or provided by PocketGuard prior to publication.
  • Cost

    Free basic budgeting app; $34.99 per year to upgrade to PocketGuard Plus, the premium version

  • Standout features

    Taking into account your estimated income, upcoming expenses and savings goals, "In My Pocket" feature uses an algorithm to show how much you have available for everyday spending (available for all users)

  • Categorizes your expenses

    Yes, but users can modify

  • Links to accounts

    Yes, bank and credit cards

  • Availability

    Offered in both the App Store (for iOS) and on Google Play (for Android)

  • Security features

    Major bank-level encryption, PIN codes and biometrics like Touch ID and Face ID

See our methodology, terms apply.

Pros

  • Free version available for basic budgeting and one "goal" account
  • Syncs to your bank accounts and credit cards
  • "In My Pocket" feature uses an algorithm to show how much you have available for everyday spending
  • Users can create savings goals and track investments
  • Autosave feature where PocketGuard automatically withdraws funds from a linked bank account to a non-interest bearing custodial account for users' savings goals
  • Premium users have access to “cancel your subscription” feature, which recommends subscriptions you should cancel to save money and directions on how to do so

Cons

  • Costs $34.99 per year to upgrade to the premium version, PocketGuard Plus
  • Autosave feature is only available for U.S. citizens (though the app connects to both U.S. and Canadian financial institutions) and there is a $2 monthly maintenance fee for free users
  • Some user reviews report that transactions are categorized incorrectly on occasion
  • There is no bill negotiation feature

Best for Chase credit card users

Chase Saved Account Manager

Information about Chase Saved Account Manager has been collected independently by Select and has not been reviewed or provided by Chase prior to publication.
  • Cost

    Free to use as Chase credit cardmember

  • Standout features

    Cardmembers can see where they've saved credit card information online and in digital wallets, plus monitor their recurring payments and receive notifications if there's an irregular charge

  • Categorizes your expenses

    Yes, Chase can provide customers with a personalized spending report that shows how much they spent in each merchant category so far this year or the entire previous year

  • Links to accounts

    Yes, Chase credit cards

  • Availability

    Offered in the Chase Mobile® app

  • Security features

    Multiple authentication checks, suspicious activity alerts, secure chase.com windows and 128-bit encryption technology to protect username, password and other personal account information

See our methodology, terms apply.

Pros

  • Free to use if you have a Chase credit card
  • Syncs to your Chase credit cards
  • Track where credit card information has been used online for payments and where merchants are storing it for future transactions
  • Monitor recurring monthly payments and receive notifications if there is an irregular charge
  • See which businesses recently saved payment information and update card details with a quick tap in the Chase Mobile app; this provides an opportunity to review or delete credit card information merchants are retaining

Cons

  • Doesn't have budgeting features that other subscription tools might offer
  • Only tracks your Chase credit card(s)
  • There is no bill negotiation feature

Best for Capital One credit card users

Eno®—Capital One® Assistant

Information about Eno®—Capital One® Assistant has been collected independently by Select and has not been reviewed or provided by Capital One prior to publication.
  • Cost

    Free to use as Capital One credit card user

  • Standout features

    Notifies users about duplicate transactions or increases in subscription charges

  • Categorizes your expenses

    Yes

  • Links to accounts

    Yes, Capital One credit cards

  • Availability

    Offered 24/7 online, in the Capital One® Mobile app, via email alerts and over SMS text

  • Security features

    Multi-factor authentication like SwiftIDSM by Capital One

See our methodology, terms apply.

Pros

  • Free to use if you have a Capital One credit card
  • Syncs to your Capital One credit cards
  • Looks out for free trials and can remind users before they end
  • Notifies users when it spots a bill that’s higher than usual
  • Alerts users about suspicious charges and helps to resolve them
  • Checks in with users if it detects a tip that’s more than their usual amount
  • Users can text Eno questions about their Capital One checking, savings, credit card and auto loan accounts, such as account balances, available credit, minimum payment amounts, due dates and transaction history

Cons

  • Doesn't have budgeting features that other subscription tools might offer
  • Only tracks your Capital One credit card(s)
  • There is no bill negotiation feature

Subscription tracker FAQs

How much do people spend on subscription services?

According to the Chase survey, 71% of respondents estimate that they waste more than $50 each month on subscription services/recurring spends.

Over the course of a year, that's more than $600. That's similar to what budgeting app Mint learned in a 2019 analysis of subscription costs, where it found that Americans spent an average of $640 annually on digital subscriptions.

Knowing just how much your recurring expenses cost you every month and year can help you save money when you need it most. These subscription services are often low-hanging fruit, meaning they are the first costs you can easily look to trim when trying to save.

What's the best way to pay for subscription services?

When you have a subscription service that you deem worth keeping, pay for it with a credit card that rewards those types of purchases.

A good place to start is by looking at Select's top credit cards for gym memberships, streaming services, video games and food delivery. A credit card that rewards you in these subscription categories is key to maximizing your recurring monthly spend.

For example, with the Blue Cash Preferred® Card from American Express, you can earn 6% cash back on over 20 U.S. streaming subscriptions, including popular services like Netflix, Hulu, Spotify, Apple Music, Disney+ and Prime Video, as well as services that are typically not included among other cards, such as ESPN+, Audible and YouTube.

Our methodology

To determine which subscriptions trackers offer the best user experience, Select analyzed over a dozen mobile apps and websites credit card issuers. We compared them on pricing, features, availability and ease-of-use.

We narrowed down our ranking by looking for trackers that people can access in a variety of different ways, whether it be by texting with a third-party service, using an app or getting notifications from their credit card issuer. The five tools we selected for this ranking all have free versions or free trials. For credit cardholders, our picks come at zero cost to use if you're a card member.

Other factors we looked at included bill negotiation perks, budgeting tools, user customization and security features offered.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.