Rocket Money Alternatives That Don't Connect to Your Bank (2026)

KeepMySubs takes the middle path between “link your bank” and “type everything in by hand.” Instead of reading your transactions, it reads the billing emails and PDF receipts you already get: paste a renewal email or drop a PDF and its AI pulls out the service, amount, billing cycle, and next charge date — or forward bills to a dedicated address and let them import hands-free. It never sees your bank credentials, transactions, or balances.

Two things set it apart from the other bank-free options here. First, it flags when a renewal price increases past a threshold you set (10% by default), with the before-and-after amounts — the silent price creep most trackers (and even Rocket Money) don’t call out. Second, it’s genuinely cross-platform — web, iOS, and Android — and uniquely exposes your subscriptions to AI agents and the terminal through a remote MCP server, a CLI, and a scoped-key API, so you can ask Claude or a script “what renews this week?” The free tier tracks up to 10 subscriptions with AI bill parsing and charge history, no card required; Pro ($6.99/mo or $69.99/yr) adds unlimited subscriptions, renewal reminders, mailbox import, and the price-increase alerts.

Best for: people who want hands-off import and price-hike protection without bank linking, and anyone who lives in the terminal or an AI assistant.

ReSubs is the closest alternative to KeepMySubs on the import front: no bank access, but it can detect subscriptions from your Gmail inbox and extract them from photos and receipts, plus a quick-add list of hundreds of providers. It sends smart renewal reminders and is available on iOS and Android. A free tier covers the basics, with a paid Premium plan (monthly or yearly, plus a one-time lifetime option). If you want email/bill import on mobile and don’t need price-increase alerts, it’s an excellent pick.

Best for: mobile-first users who want privacy plus automatic email import.

Bobby (by Yummygum) is a beautifully simple manual tracker: you add each subscription yourself, see your monthly total, and get payment reminders. No account, no bank, and — refreshingly — a one-time in-app purchase to unlock the full feature set rather than a recurring fee. The catch: it’s iOS-only, and there’s no email/bill import or price-increase alerting.

Best for: iOS users who prefer manual control and a one-time price.

Subby (the “Subscription Tracker: Subby” app on iOS and Android) is a lightweight, manual subscription tracker with a free, ad-supported tier and a small one-time purchase ($2.99) to remove ads. No bank link required. It does renewal reminders but not price-increase alerts. (Heads-up: a separate, unrelated app marketed at subby.io advertises AI Gmail scanning — it’s a different product from the manual tracker described here.)

Best for: people who want a free, no-bank manual tracker on either platform.

For completeness: Rocket Money is the app most of these are compared against. It links to your bank, automatically detects recurring charges from your transactions, sends reminders, and offers a subscription-cancellation assistant and bill negotiation. Its Premium tier uses a “pay-what-you-think-is-fair” model that typically runs about $7–$14/month, on top of a free plan. It’s genuinely convenient — but it requires read access to your financial accounts, which is exactly what every app above avoids. If automatic detection matters more to you than keeping your bank data private, it’s the strongest bank-linked option; otherwise the alternatives here do the core job without it.