An honest comparison · Updated November 2026
For people who won't link a bank: find every subscription yourself, with a timer and five places to look.
Ready when you are
Tap start. The clock runs while you check five places on your own phone.
Free on iPhone · no bank, no email scanningYes: a manual subscription tracker lets you type each subscription in once, with its price and next charge date, and reminds you before it renews, without ever asking for a bank login. You do the finding yourself, which takes about fifteen minutes the first time. After that, the tracker carries the dates.
We make one of these apps, MoneyShield, so weigh our view accordingly. Below we compare it with three other iPhone trackers, using only what their App Store listings said on November 3, 2026.
You want charges found for you. A bank-connected app sees new charges as they happen. A manual tracker only knows what you type.
You want a full budget. MoneyShield tracks subscriptions, trials, returns, refunds, warranties and bills. It is not a spending budget and has no bank balances.
You want someone else to cancel. MoneyShield never cancels on your behalf. It shows you the official route and keeps your proof.
Start the timer at the top of the page. Your places checked and subscriptions found show up here.
Nothing you tap is stored or sent anywhere. Close the page and it is gone.
Three MoneyShield screens, with what to look at pinned.
12
3
4From each app's U.S. App Store listing, checked November 3, 2026. Prices change; check the listing before you buy.
Fifteen minutes with the five places above. Write down name, price, how often, next date.
Each subscription gets a reminder: same day, or 1, 3, 7, 14 or 30 days before. Alerts up to 30 days ahead are a Plus feature.
The guided monthly review shows one subscription at a time, one decision each: keep, review later or start cancelling.
One design decision we made: the Protection Record counts only cancellations you confirm. If a cancel didn't go through, it doesn't count as money saved. That keeps the number honest, even if it makes it smaller.
The honest limit: if you forget to add something, MoneyShield will never know about it. The monthly review reminder is there for exactly that.
Yes. Manual-entry trackers such as MoneyShield, Bobby and TrialHero do not ask for a bank login, according to their App Store listings as of November 3, 2026. You add each subscription yourself, or in TrialHero's case from a screenshot you confirm.
That is a judgment call about the company and its data practices, and we can't make it for you. What a manual tracker changes is simple: no account credentials are shared, so there is nothing about your bank to protect in the first place.
Check four places: Settings › your name › Subscriptions on iPhone for Apple-billed ones; your card statements for repeat charges (12 months back catches yearly renewals); PayPal or other wallets; and your email, searching words like receipt, renew and trial. The 15-minute hunt at the top of this page walks you through it.
Anything you don't type in. It will not notice a new charge or a price rise on its own. That is the trade: more privacy, a little more effort, and a monthly review to catch what slipped through.
MoneyShield cannot. It points you to the official cancellation route, with a checklist and request templates, and keeps your confirmation as proof. Rocket Money's listing does describe cancelling within the app, and it links to your accounts.
You start with 7 days of Full Protection with no payment, then move to the free plan automatically. MoneyShield Plus in the U.S. is $3.99 a month, $24.99 a year or $59.99 once; prices may vary by region.
Do the 15-minute hunt, then put what you found into MoneyShield. Your bank login stays yours.
Try MoneyShield tonight on the App Store · Updated November 2026