Subby

How to track subscriptions when you don't want to hand over your bank login

Subby is a subscription tracker built by Pocket Implementation S.R.L. (the company behind it since 2017) that tracks what you pay for without ever accessing your bank account. It works on iOS, Android, and the web, giving you one place to see all recurring charges, renewal dates, and what you are spending across 46 currencies.

The core pitch is direct: you add each subscription yourself and the app handles reminders and totals, with no account login required and nothing that can fail silently. A 2022 C+R Research survey found that 90% of people track their subscriptions in their head, and 74% say recurring charges are easy to forget because 72% have subscriptions on auto-pay with nothing to flag them before the charge hits. This market research frames the problem Subby solves: most people have a rough sense of their subscriptions but not an accurate picture, and the fees slip past them month after month.

Adding subscriptions takes about twenty seconds, with or without help

You pick from a 600+ brand catalog (Netflix, Spotify, streaming services, VPNs, and others), or if the subscription is less common you type it in yourself. The app offers renewal reminders that land before the charge, from same-day to a week ahead, or any custom lead time you set. This flexibility lets you control how much advance notice you get. If you prefer to cancel as close to the charge date as possible (to hold onto cash), you can set a same-day reminder. If you prefer to plan ahead and batch cancellations, you can set them a week or two out, or customize the timing per subscription.

When a payment goes unpaid, Subby keeps reminding you for up to a week and lets you mark it paid straight from the notification, which a user reviewing the app on Google Play called the one feature that sets it apart from the other ten subscription trackers they tried. The mark-as-paid flow from the notification itself is a quality-of-life feature; many other trackers force you to open the app and navigate to the subscription to confirm payment.

Subby's PRO tier adds the ability to read details off a screenshot of a confirmation email, bill, or store page, pulling out the service name, price, and billing cycle automatically. Only the screenshot you choose goes to Subby, and only to extract those fields; an AI service does the reading and does not store the image after processing. For users who want to hand over a bill or promotional email and have it parsed, this saves manual entry on a category most people would rather not think about. For others, the manual flow is the whole point. PRO also adds cloud backup so your subscription list syncs across your devices, a home-screen widget for quick access, and the ability to request new brands be added to the catalog for other users.

The app groups your spending by category (streaming services, music platforms, VPNs, and so on), payment method, month, or year, with a six-month trend visible so you can spot changes over time. A payment log holds the full history, letting you drill down to see how much one service has cost you so far. This historical view is useful if you are trying to estimate annual spending or justify a budget to a partner.

When to renew, how much in total, across every currency your money moves through

Subby handles any billing cycle from weekly to once every three years, and pulls in 46 currencies so your totals stay accurate whether you are paying in pounds, euros, yen, or rupees. The exchange rates stay up to date as the price changes. The app's dark mode goes all the way to pure black (#000000) for OLED screens, and you can pick between system, light, or dark theme.

Free core with a one-time PRO unlock, no ads in free unless you want them

The app is free and stays free. On the free tier you get subscription tracking, renewal reminders, a payment log, dark mode, and all the currencies. Subby makes money by showing ads in the free version. PRO removes ads and adds screenshot import, cloud backup, a home-screen widget, and the ability to request new brands be added to the catalog. The page does not publish a PRO price in this excerpt, so anyone interested should check the pricing page before subscribing. The PRO unlock is a one-time payment (not a subscription) and stays with the app store you bought it from, so if you get it on iPhone, switching to Android later means buying it again.

For people who value privacy and a tool that does not need your financial passwords

Subby suits anyone tired of handing bank login credentials to subscription apps, either out of privacy concerns or general wariness. If your credit union or smaller bank does not play well with aggregators like Plaid, or if you are in a country where bank connectivity is limited, the manual entry approach sidesteps that problem entirely. One user noted they valued that the app "doesn't request your bank account credentials to verify when a subscription was paid," and another described the app as ideal for "if you value your privacy."

The privacy model is straightforward: because nothing connects to your bank, there is no account login required. You just pick from the brand catalog, add dates and prices yourself, and you are done. This also means there is nothing that can silently break (a credential being revoked, a bank changing its API, a Plaid outage leaving you locked out). The tradeoff is real: you do not get automatic discovery of charges you forgot you had. If a charge appears on your statement that you do not remember authorizing, Subby will not find it unless you remember the service name and add it manually.

The friction point is real: you add each subscription yourself, which takes time upfront if you have dozens. For people with five to twenty subscriptions, this is not a burden. Subby says it takes about twenty seconds per subscription, and the bulk of that time is typing or confirming details. For people with fifty or more, or for those who want to surface completely hidden recurring charges lurking in their statements (a feature that requires actual bank access), Subby is not the tool. The app also does not negotiate subscriptions, call on your behalf, or help you cancel (it just reminds you before the charge lands, and you handle the rest). The cancellation work is on you.