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SubLedger — Track Your Subscriptions Without Linking Your Bank
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Subscription management

I woke up and $70 was just gone.

A subscription I'd forgotten about had quietly renewed. That moment built SubLedger — a clean, private way to track every recurring charge before it catches you off guard.

Monthly spend $36.98 / mo

Spotify

Renews Apr 7, 2026

$21.99/mo

Renewing soon

Amazon Prime

Renews Apr 29, 2026

$14.99/mo

Active
Yearly estimate $443.76

Because the alternative is selling yourself.

Most of us are losing money through subscriptions we've forgotten, plans we've outgrown, and renewals that sneak up without warning. With inflation squeezing every dollar, that's not inconvenient — it's a real problem.

The tools I found were either expensive or free in exchange for your financial data, sold to lenders and advertisers. That wasn't right. People struggling to save money shouldn't have to choose between high fees and handing over their data.

So I built SubLedger. And I made a decision from day one: there will always be a free tier, and we will never use your data to target you.

Everything you need. Nothing you don't.

Simple, focused tools that keep you ahead of every renewal and in control of your spending.

See everything in one place

Add your subscriptions once and SubLedger keeps them organized, categorized, and current — no more hunting through bank statements.

Never get caught off guard

Renewal reminders hit your inbox 7 days before charges do — adjustable to fit how you plan. No more surprise transactions.

Know your real number

Monthly spend and yearly estimates update automatically. SubLedger does the math so you can make informed decisions about what stays and what goes.

Built for real life

Splitting a plan with family? Getting reimbursed by your employer? SubLedger tracks shared costs so your numbers reflect what you're actually paying.

Forward receipts, skip the manual entry New

Every SubLedger account comes with its own private forwarding address, generated when you sign up and waiting on your profile page. When a subscription confirmation or renewal notice lands in your inbox, forward it,  and SubLedger creates the card for you. No bank linking, no third-party scanning — just you, your email, and your ledger. The forwarded message is deleted immediately after processing.

Up and running in minutes.

01

Create your free account

No credit card required. Sign up and you're in.

02

Add your subscriptions

Enter them manually in about 30 seconds each — or forward a receipt to your unique SubLedger address and we'll build the card for you.

03

Let SubLedger handle it

Track, calculate, and remind you automatically. Set it and forget it.

Straightforward. No surprises.

The free tier isn't a trial and it isn't a trap. It's free because everyone deserves to know where their money is going.

Free

$0 or pay what you can

Start tracking your subscriptions, free or pay-what-you-can.

  • Up to 10 subscriptions
  • Renewal reminders
  • Dashboard & summaries
Get started free

Support our mission

Pay what you can →

Family

$20 / mo

Track subscriptions you pay for on behalf of family members.

  • Up to 50 subscriptions
  • All Personal features
  • Assign subscriptions to family members
  • Shared cost tracking
Get started

Business

$50 / mo

For teams and businesses with unlimited tracking.

  • Unlimited subscriptions
  • All Family features
  • Bookkeeper access
  • Downloadable reports
Get started

Save ~17% with annual billing. We never sell your data — regardless of plan.

Planned Features

SubLedger is actively being developed. Here's what's on the horizon — shaped by real user needs.

Coming Soon

Spending Trends & Visual Reports

See how your subscription spend changes month over month, broken down by category. Charts and summaries that make it easy to spot where costs are creeping up — and decide what actually needs to go.

Coming Soon

Mobile App

A native iOS app so you can manage your subscriptions, check upcoming renewals, and stay on top of your spending — right from your phone.

Have a feature request? Let us know.  ·  View our full roadmap →

Questions we actually get.

Is SubLedger an app that tracks my subscriptions without linking my bank account?

Yes — and that's intentional. SubLedger is a subscription tracking app built specifically for people who don't want to hand over their banking credentials to yet another service. You add your subscriptions manually, you stay in control, and your financial data never leaves your hands.

How do I find all my subscriptions without giving an app access to my bank?

Most apps that promise to find your subscriptions do it by reading your bank transactions — which means you're handing over access to everything. With SubLedger, you add subscriptions yourself. It takes minutes, it's private, and you'll often catch things you forgot you were paying for in the process.

What's the best app to keep track of subscription payments?

It depends what you value. If you want an app that tracks subscription payments, sends you reminders before charges hit, shows you your real monthly total, and never sells your data — SubLedger was built for exactly that. No bank linking, no data mining, no surprises.

Is there a free app that finds hidden subscriptions?

Apps that "find" hidden subscriptions for free are almost always doing it by scanning your bank account or email — and monetizing your financial data in return. SubLedger takes a different approach: you enter your own subscriptions, we remind you before they renew, and we never use your data to make money. That's the trade we're comfortable with.

How do I keep track of all my subscriptions in one place?

SubLedger gives you a single dashboard where every subscription lives in one place, no matter the category or the renewal schedule. You can flag which ones are shared with family, which are reimbursed by your employer, and see exactly what you're spending every month.

Can I track subscriptions that are shared with other people?

Yes. SubLedger has a "Shared with others" toggle so you can mark family or household subscriptions and split the real cost. Your dashboard shows both the full charge and your actual share — so you always know what you're really paying.

Is there an app that checks your subscriptions and reminds you before they renew?

That's exactly what SubLedger does. We send you reminders before renewal dates so you can decide whether you still want the subscriptio before the charge hits. No more waking up to a charge you forgot about.

Does SubLedger sell my data?

No. Never. This was a founding decision, not a policy we'll walk back later. We built SubLedger because we were tired of apps that treat your financial data as a product. Yours stays yours — full stop.

Your data belongs to you.

We built SubLedger because existing tools either cost too much or made money off your financial information. We chose a different path and we're committed to it. Your subscription data is encrypted at rest. Even we can't read it.

Never sold to third parties

No ad targeting ever

Privacy-first analytics

Encrypted at rest

Stop letting subscriptions manage you.

SubLedger was built by someone who needed it, for people who deserve better than surprise charges and data brokers. Start free today.

No credit card required. No catch. Free forever on the base plan.