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Subly vs SubTracker

SubTracker is a cheap, friendly tracker for a household you fill in by hand. Subly is built for a business: it finds the charges for you, routes renewals to an owner, tracks retainers and forecasts cash.

14 days of Business, no credit card. Free plan after that.

Why people pick Subly over SubTracker

The differences that matter

  • No typing to start

    Subly
    Reads your statement
    SubTracker
    Manual, with a quick-add list

    Upload one statement and see every recurring charge in about two minutes, or connect a bank. SubTracker never links to your bank and reads no statements.

  • Alerts on the free plan

    Subly
    Email alerts on Free
    SubTracker
    Alerts from Plus

    Subly’s Free plan sends renewal alerts by email for up to 20 items. On SubTracker, alerts start on the $5.90 Plus plan.

  • Built for a business

    Subly
    Owners, Slack, retainers
    SubTracker
    Built for households

    Give each tool an owner, get renewals in Slack or Teams, and track client retainers next to costs.

What you would pay

The price for your team, with renewal alerts on

Each product’s cheapest plan that fits, at list prices, Nov 2026. Subly yearly billing costs about two months less.

Monthly price for each team size
TeamSublySubTracker
Just you, 30 tools$5/monthPersonal$11 less a year$5.90/monthPlus
3 people$5/monthPersonal$59 less a year$9.90/monthFamily · Built for households
10 people$19/monthBusiness · Slack app and forecast included$9.90/monthFamily · Built for households

Feature by feature · checked Nov 2026

Subly and SubTracker, line by line

Where a vendor’s own site doesn’t mention something, the table says so instead of guessing.

  • Yes:
  • Partly:
  • No:
  • Not stated:
SublySubTracker
Getting your data in
Reads a bank or card statementUpload a file and it finds what repeatsYes:Subly: PDF or CSV, no bank login. One on Free, unlimited from PersonalNo:SubTracker: No. Manual, with a quick-add list of 180+ services
Bank connectionYes:Subly: US, Canada and Europe, read-only through Plaid. From PersonalNo:SubTracker: Never links to your bank
Picks up receipts or invoicesYes:Subly: Forward receipts to your own Subly address. From PersonalNot stated:SubTracker: Not stated on its site
Imports revenue from StripeYes:Subly: Recurring revenue from Stripe. Business and TeamNot stated:SubTracker: Not stated on its site
Lifetime deals and refund windowsYes:Subly: AppSumo import and a heads-up before each refund window closes. Every planNot stated:SubTracker: Not stated on its site
Hearing about it in time
Renewal alerts by emailYes:Subly: Every plan, Free includedYes:SubTracker: On Plus, $5.90/month
Alerts in SlackYes:Subly: A Slack app with Keep, Plan to cancel and Snooze buttons. From BusinessNot stated:SubTracker: Not stated on its site
Teams, Discord or TelegramYes:Subly: Microsoft Teams, Discord, Telegram and push. From PersonalNot stated:SubTracker: Not stated on its site
Tells you about price risesYes:Subly: “Notion Plus went up 20%: $10 → $12”. Every planYes:SubTracker: On Plus
Catches charges after you cancelledYes:Subly: Every planNot stated:SubTracker: Not stated on its site
The whole picture
Money coming inClient retainers, payouts, recurring revenueYes:Subly: Retainers, payouts and recurring revenue next to costs. Every planNot stated:SubTracker: Not stated on its site
Cash forecastYes:Subly: 13 weeks of your balance, with what-ifs. Business and TeamNot stated:SubTracker: Not stated; shows monthly and yearly totals
Several currenciesYes:Subly: 150+, each item in its own, totals in yoursYes:SubTracker: USD, EUR, GBP, CHF and 20+ more
People and owners
People on the accountYes:Subly: 3 on Personal, 10 on Business, 20 on TeamYes:SubTracker: Up to 10 on Family, $9.90/month
An owner on every itemYes:Subly: Renewals go to the owner, who decides. From PersonalNot stated:SubTracker: Not stated; Family has roles
AI and automation
AI assistantYes:Subly: Claude connector (MCP) and Ask Subly. From PersonalNot stated:SubTracker: Not stated on its site
API and webhooksYes:Subly: REST API and signed webhooks. From PersonalNot stated:SubTracker: Not stated on its site
Price and reach
Free planYes:Subly: Up to 20 items, with email alertsYes:SubTracker: No item limit; alerts are paid
Where it worksYes:Subly: Anywhere. Statement upload needs no bankYes:SubTracker: No restriction stated

Fair is fair

What SubTracker does well

  • Calendar sync with Google, Apple and Outlook.
  • A free plan with no item limit, and a $129 lifetime plan.
  • Family plan for up to 10 people at $9.90 a month.

Pick SubTracker if

You track a household’s subscriptions by hand and want them in your calendar.

Pick Subly if

You want every recurring payment found for you, in and out, with an owner who hears before it renews.

Switching

Moving from SubTracker takes one sitting

  1. 01

    Export what you have in SubTracker

    Look for an export in its settings or reports. If there is none, copy the list into a spreadsheet; it is a one-time job.

  2. 02

    Import it into Subly

    The spreadsheet import reads CSV and Excel. Check that names, amounts, billing cycles and renewal dates came through.

  3. 03

    Upload one statement

    Subly reads it and shows any recurring charge your old list never had.

  4. 04

    Give each item an owner

    Renewals and price rises go to the person who decides, by email, chat or Slack.

Not ready to sign up? Add up what your tools cost first, free, then bring the list with you.

Made by Subly. What we say about SubTracker comes from its own website, checked November 5, 2026. Spotted something out of date? Tell us and we will fix it.

More comparisons

Questions

Frequently asked questions

Is SubTracker good for a business?

It is built for consumers and families; its tiers are “getting started”, “power users” and “families & small teams”. A business that wants owners, Slack alerts or money coming in will want a business tool.

Does Subly have a plan for households?

Yes. Personal is $5 a month or $48 a year with 3 people and unlimited items, and the Free plan covers 20 items.

How is my data handled?

Your data is yours. It is encrypted in transit and at rest, never sold and never used for any other purpose. Bank connections are read-only. You can download all your data at any time, and if you ever decide to leave Subly, your data is deleted from our servers.

Try it on your own numbers.

Upload one statement and see every recurring charge Subly finds, with what renews next and what went up. Then decide.

Start free trial

Free for 14 days with the full Business plan, no credit card needed. The Free plan is yours to keep.