Money Lover

Money Lover runs on iOS, Android, and the web, making it accessible whether you track from your phone or your laptop. The app asks you to link your bank and card accounts, then categorizes transactions automatically and flags anything that looks like a recurring charge. You can also manually add subscriptions and bills, useful for services that don't show up in your bank data or for cash-based recurring expenses.

The app includes bill splitting when you share costs with roommates or friends, and generates detailed reports breaking down spending by category, month, and payment method. It's been around since 2012, so it's matured through many iterations and has accrued a solid user base. Money Lover suits anyone who wants to track subscriptions as part of a broader expense-monitoring system rather than a dedicated subscription-only tool, and the multi-platform sync means your data follows you across devices.