SoFi

SoFi started in 2011 as a student loan refinancing company and has expanded into a full digital banking platform. The Relay budgeting app is built into the SoFi Money checking account and uses account data to automatically identify subscriptions and recurring charges without needing you to manually enter each one. Relay then groups these charges and shows you totals by category, making it obvious which subscriptions are eating into your monthly budget.

The app focuses on making subscriptions visible and actionable, letting you see what you're actually spending on recurring services versus one-time purchases. SoFi also offers no-fee checking, early direct deposit, and a connected savings account within the same app, so subscription tracking is one piece of a broader banking ecosystem rather than a standalone tool. It suits people who want a full digital bank with integrated subscription management, and who like having everything from checking to investing in one place.