SubTide Guides
Updated: August 2026
Search for a subscription tracker and the first results mostly want the same thing: read access to your bank account. For a lot of people that's a reasonable trade. For a lot of others it's an immediate no — and they end up assuming private tracking means going back to a spreadsheet. It doesn't. Manual subscription trackers are a small, healthy category of their own, and for most users they cover everything that matters.
Bank-linked trackers do one thing manual apps can't: discovery. They scan your transaction history and surface recurring charges you forgot about. That first scan is genuinely useful — it's the "oh no" moment that makes people take subscriptions seriously.
But here's the quiet truth: discovery is a one-time job. After the first audit, you know what you pay for. The ongoing value of a tracker is different — it's the reminder before a renewal, the calendar of upcoming charges, the honest monthly total. None of that needs your bank.
That's the entire "automation" a bank-linked app performs, done once by hand. From there, a manual tracker maintains the picture.
You maintain the list. When you sign up for something new, you spend five seconds adding it. If you're the kind of person who won't do that even with a good service picker, a bank-linked tracker will serve you better — that's a real answer, not a strawman. But if a five-second habit is acceptable, you get the full value of a tracker without widening your financial attack surface.
SubTide is built entirely on this philosophy: no bank linking, no account, no ads. You pick services from a brand catalog (or add custom ones), and SubTide handles the calendar, the reminders, multi-currency totals and your average daily spend — in 32 languages. Pro is $1.99/month, $14.99/year with a one-month free trial, or $29.99 once.