Do I need to connect my bank?

No. Never. You add subscriptions manually, which means Subkept never gets your bank credentials, transaction feed, or card history.

No. We are not an ad business and we do not sell personal data. The product works because people pay for the product, not because we squeeze value out of their information.

What happens if I cancel?

You can export your data, and when you close the account we delete the data associated with it. There is no dark-pattern off-ramp.

How is this different from Rocket Money or Mint?

Those tools lean on bank connections and transaction scraping. Subkept does not. You tell us what matters, we help you manage it, and your bank stays out of the loop.

Compare

6Honest comparisons. Updated monthly.

Subkept vs every subscription tracker, side by side

No fluff, no paid placement. Privacy posture, pricing, features, and who each product is actually built for. Pick your competitor below.

Privacy-first stance No paid placement Live-checked pricing

Subkept vs Rocket Money: which subscription tracker fits you

Rocket Money is a bank-linked finance app with bill negotiation. Subkept is a manual tracker that never touches your bank. Pick by what you trust more: an algorithm that needs your accounts, or a list you keep yourself.

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Head-to-head comparisons

6 comparisons

Subkept vs Bobby

Bobby is a beloved iOS-only tracker with one-time in-app purchases and iCloud sync. Subkept is a web app that works the same on every device, with a free tier and a flat Pro plan. The split is mostly about platform and household reach.

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Subkept vs SubBuddy

Both Subkept and SubBuddy avoid bank connections. The split is mostly about platform reach, household tracking, and how much detail each surfaces about your stack. Always confirm SubBuddy details on its official site before deciding.

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Subkept vs Trim

Trim was a bill-negotiation service that took a percentage of your savings, with a bank-linked subscription monitor on the side. Subkept is a tracker, not a negotiator. They were never the same product. Trim's consumer service has also been substantially reduced since the OneMain acquisition; confirm current status before signing up.

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Subkept vs PocketGuard

PocketGuard is a bank-linked budget app that detects subscriptions automatically from your transactions. Subkept is a manual tracker that never reads your bank. The difference is not just privacy — it is scope. PocketGuard is a full budget tool; Subkept is a focused subscription tracker.

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Subkept vs Copilot Money

Copilot Money is a beautifully designed, premium-priced finance app for iPhone and Mac that connects to your bank. Subkept is a manual subscription tracker that never touches your accounts. They target different users: Copilot is for people who want a premium all-in-one finance experience; Subkept is for people who want focused subscription tracking without sharing their banking data.

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Looking for alternatives?

Starting from a specific tool and browsing options? These pages collect the best alternatives with honest tradeoffs.

Rocket Money alternatives in 2026

Rocket Money is one of the largest subscription managers in the US, but its bank-link requirement and 30 to 60 percent bill negotiation fee push some people elsewhere. Here are the alternatives worth considering and what each one is actually good at.

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Bobby alternatives in 2026

Bobby is a great iOS subscription tracker, but it stops at the Apple ecosystem. If you use Android, share subscriptions in a household, or want a web dashboard, here are the alternatives that pick up where Bobby leaves off.

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No bank link. No card. No catch.

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Free tier covers 3 subscriptions with no time limit. See for yourself in under 60 seconds.