Compare subscription trackers
Submoney is built for one recurring-money question: how much should stay in your bank today? See how it compares with broader finance apps and focused subscription trackers.
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Quick fit guide
Start with the app shape, then open the full comparison.
| App | Best for | Submoney fit |
|---|---|---|
| Rocket Money | People who want bank-linked automation and help cancelling unwanted services. | Submoney is narrower: it focuses on recurring money and the exact balance to keep available today. |
| Monarch | Households that want a shared, full-picture finance workspace. | Submoney is for the narrower daily question: how much recurring money should stay in the bank right now? |
| Copilot Money | People who want a polished personal finance dashboard with subscription spotting included. | Submoney keeps the workflow smaller and answers the recurring-payment balance question directly. |
| Bobby | iPhone users who want a simple subscription list with due reminders. | Submoney adds the bank-balance lens: not just what renews, but how much to keep available. |
| Tilla | Android users who want a dedicated subscription manager with reminders. | Submoney is a focused recurring-money tracker for people who want subscriptions tied to a required bank balance. |
| Chronicle | Apple users who manage household bills and want reminders without connecting a bank. | Submoney centers on subscriptions and recurring payments, and turns them into one number: the balance to keep in your bank today. |
| Subby | People who want a cheap, private subscription list with reminders. | Submoney goes past the list: it tells you how much money to keep in your bank for what is coming up. |
| ReSubs | People who want automated import without connecting a bank. | Submoney is built around one number: the balance to keep in your bank today for upcoming recurring payments. |
| Hiatus | People who want help cancelling subscriptions and are happy to link a bank. | Submoney skips bank access. You add recurring payments yourself and see how much to keep in your bank for them. |
| YNAB | People who want a complete budgeting method, not just a subscription list. | Submoney is much narrower: it tracks recurring money and shows the balance to keep, with no budget to maintain. |
| PocketGuard | People who want automatic, bank-linked budgeting with bill awareness. | Submoney answers the opposite question: not what you can spend, but how much must stay in your bank for recurring payments. |
| Emma | UK users who want bank-linked budgeting plus subscription detection. | Submoney works in any country without bank access, and focuses on the balance to keep for recurring payments. |
Popular comparisons
The apps people most often weigh against Submoney.
Submoney vs Rocket Money
Budgeting and subscription management - Mobile and web finance app
Use Submoney to see exactly what to keep in your bank for recurring payments, with no bank link. Use Rocket Money for bank-linked budgeting and cancellation help.
Read comparisonSubmoney vs Monarch
All-in-one money management - Web, iOS, and Android
Use Submoney for a focused view of recurring money and the balance it needs. Use Monarch for a shared, bank-synced view of your whole financial life.
Read comparisonSubmoney vs Copilot Money
Personal finance and budgeting - Personal finance app
Use Submoney when you only need recurring payments and the balance to keep for them. Use Copilot Money for full budgeting, cash flow, and investments.
Read comparisonSubmoney vs Bobby
Subscription tracker - iPhone
Both are manual trackers. Use Submoney if you also want the required balance, bills, and set-aside money. Use Bobby for a simple iPhone subscription list.
Read comparisonSubmoney vs YNAB
Zero-based budgeting - iPhone, Android, and web
Use Submoney if you only need recurring payments and the balance to keep for them. Use YNAB if you want a full zero-based budgeting system for every dollar.
Read comparisonSubmoney vs PocketGuard
Budgeting and bills - iPhone, Android, and web
Use Submoney to see the exact balance to keep for recurring payments, with no bank link. Use PocketGuard for bank-linked budgeting that shows what is safe to spend.
Read comparisonSubmoney is for recurring money, not full budgeting. It tells you how much to keep in your bank for subscriptions and bills, without linking your bank.
More apps in the same space
Other subscription trackers and budgeting apps.
Submoney vs Tilla
Android subscription manager - Android
Both track subscriptions by hand. Use Submoney for the balance to keep, bills, and set-aside money on iPhone. Use Tilla if you are on Android and want a subscription manager.
Read comparisonSubmoney vs Chronicle
Bill organizer - iPhone, iPad, and Mac
Both work without a bank link. Use Submoney for subscriptions, trials, and the exact balance to keep. Use Chronicle for long-running bill organizing across iPhone, iPad, and Mac.
Read comparisonSubmoney vs Subby
Subscription tracker - Android and iPhone
Both are private, manual trackers with a one-time upgrade. Use Submoney for the daily required balance, bills, and set-aside money. Use Subby for a simple tracker with a large logo library.
Read comparisonSubmoney vs ReSubs
Subscription manager - iPhone and Android
Both track subscriptions without a bank link. Use Submoney for the daily required balance and a one-time upgrade. Use ReSubs for Gmail and screenshot import and cancel guides.
Read comparisonSubmoney vs Hiatus
Subscription and bill manager - iPhone, Android, and web
Use Submoney to track recurring payments by hand and see the balance they need. Use Hiatus for bank-linked subscription detection, cancellation help, and bill negotiation.
Read comparisonSubmoney vs Emma
Budgeting and money app - iPhone, Android, and web
Use Submoney to track recurring payments by hand, anywhere, and see the balance they need. Use Emma for UK open-banking budgeting with subscription detection.
Read comparisonTry Submoney after comparing your options
Use Submoney when the question is not only when a payment renews, but how much money should stay ready for it.