The best subscription tracker in Australia for most people is one that reads a bank statement, because it finds the charges you've forgotten, not just the ones you remember to type in. SubTracker does exactly that: you upload a statement (PDF, CSV, Excel, or a photo), the AI lists every recurring charge, and there's no bank login. The manual-entry apps (Subtrack, SubPolice, Revuno, WalletFlow) are tidy and cheap but only ever know what you tell them. Rocket Money, the tracker most Australians have heard of, does not work here at all.
That's the short version. The rest of this page is the honest comparison behind it, so you can pick the one that matches how much effort you want to spend and how you feel about an app touching your bank account.
The options at a glance
| App | How subscriptions get in | AU bank support | Price / model | Reminders | Bank access needed |
|---|---|---|---|---|---|
| SubTracker | Statement upload, AI reads it | Any AU bank that exports a statement | $19 AUD, one-time | Email, 3 days before | None |
| Subtrack | Manual entry | Not applicable | Free with paid tier | In-app | None |
| SubPolice | Manual entry | Not applicable | Free / paid tiers | In-app | None |
| Revuno | Manual entry | Not applicable | Free / paid tiers | In-app | None |
| WalletFlow | Manual entry | Not applicable | Free / paid tiers | In-app | None |
| Rocket Money | Bank login (Plaid) | None (US banks only) | USD subscription | In-app | Full, via Plaid |
The manual apps differ in polish, platform, and price, but the mechanic is identical: you add each subscription by hand. Check the App Store or Google Play listing for the current price of any specific one, since freemium tiers change often.
Why Rocket Money doesn't work in Australia
Rocket Money connects to your bank through a US service called Plaid, and Plaid does not support Australian banks. This is the single fact that trips up most Australian searchers. Rocket Money, Copilot, and PocketGuard are all built on the same US bank-linking plumbing, so none of them can see a CBA, ANZ, Westpac, or NAB account. If a listicle recommends Rocket Money to an Australian audience, the author didn't test it here.
Plaid, the bank-linking service behind Rocket Money and most US finance apps, does not connect to Australian banks. If a tracker needs a US bank login, it cannot see your accounts here.
Australia has its own open-banking system, the Consumer Data Right (CDR), which lets accredited apps read your transactions through regulated APIs instead of your login. A few local budgeting apps use it, but the dedicated subscription trackers mostly don't. If you specifically want a US-style automatic tracker that actually functions in Australia, the Rocket Money alternatives for Australia guide covers what fills the gap.
The trackers worth knowing
SubTracker
SubTracker skips both the bank login and the manual typing. You export a bank statement, upload it, and AI reads through the transactions to surface every recurring charge, including the annual renewals and free-trial-turned-paid subscriptions you stopped noticing months ago. The first scan is free and shows your first three subscriptions. The $19 one-time unlock reveals the rest and turns on email reminders three days before each charge, with a 14-day refund if it isn't for you. Statements are processed and never stored.
It works with any Australian bank, because anything that exports a PDF or CSV works, and it prices in AUD as a single payment rather than a monthly fee. The trade-off is that it isn't live: you upload a fresh statement when you want to update, rather than watching your account in real time. If your problem is forgotten charges rather than daily budgeting, that's a fair trade. This is the same approach behind finding hidden subscriptions in the first place.
Subtrack
Subtrack is a clean, privacy-first manual tracker for the Apple ecosystem (iPhone, iPad, Mac). You enter each subscription, its amount, and its billing date, and it gives you a calendar and monthly-spend view with no account connection at all. It's a good pick if you already know everything you pay for and just want a tidy dashboard on Apple devices. Like every manual app, it can't find a charge you've forgotten, because you have to know about a subscription to type it in.
SubPolice, Revuno, and WalletFlow
These three sit in the same manual-entry category as Subtrack: you add subscriptions yourself, set the renewal dates, and the app reminds you before each one bills. They differ in interface, platform, and how their free and paid tiers are drawn, so the deciding factor is usually which one feels nicest to you and whether it's on your phone's store. None of them connect to an Australian bank, which is the point for privacy-minded users, and none of them can surface a subscription you didn't already remember to enter. Confirm the current price on the app's own listing before you commit, since these details shift.
Rocket Money
Rocket Money is the most polished automatic tracker on the market, with bank-connected detection, bill negotiation, and a cancel-for-you feature. In the US it's excellent. In Australia it's unavailable, because of the Plaid dependency described above, and its premium tier is itself a monthly subscription. Worth knowing so you don't waste the download.
What about free subscription trackers?
Free trackers exist, and the honest catch is that free almost always means manual. Subtrack, SubPolice, Revuno, and WalletFlow all have free tiers, but each one asks you to enter every subscription by hand and keep it current. The work is the price. A spreadsheet is the purest version of this: zero cost, total control, and a manual chore you have to remember to do, which the subscription tracker vs spreadsheet comparison walks through in detail.
The one thing no free manual tool does is find the subscriptions you've lost track of, which is usually the reason people go looking in the first place. If you want automatic detection without paying a monthly fee, a one-time statement scan is the closest thing to free-with-discovery.
App or web? iPhone or Android?
Most manual trackers, Subtrack included, are native mobile apps, and several are Apple-only, so an Android user's shortlist is shorter than an iPhone user's. Check the Google Play listing before assuming an app you saw recommended is available on your device. SubTracker runs in the browser, so it works the same on iPhone, Android, and desktop with nothing to install, which matters if you switch between a phone and a laptop or don't want another app on your home screen. If you're weighing a full budgeting app against a dedicated tracker, the best budgeting apps in Australia guide covers the all-in-one options like Frollo and WeMoney that do subscriptions as a side feature.
How to choose
Pick by what bothers you most.
- You want to find forgotten subscriptions without a bank login. Upload a few months of statements to SubTracker and let the AI surface what you've missed. One payment, no ongoing account access.
- You already know exactly what you pay for. A manual tracker (Subtrack on Apple, or SubPolice, Revuno, WalletFlow) gives you a clean dashboard for free or close to it. The limit is that it only knows what you enter.
- You want live, automatic tracking and don't mind connecting your bank. A CDR-based budgeting app like Frollo or WeMoney reads your transactions in real time. Subscription tracking is a secondary feature, not the focus.
- You were about to download Rocket Money. It doesn't work in Australia. Read the alternatives guide instead.
Manual trackers only track what you remember to add. The whole reason you're searching is the subscriptions you've forgotten.
Common questions
What do Australians on Reddit recommend?
Threads in r/AusFinance and r/australia lean two ways. People who like control recommend a spreadsheet or a simple manual app and accept the upkeep. People who suspect they're bleeding money on forgotten charges want something that reads their statements, because the recurring complaint is "I found a subscription I'd been paying for two years." The split maps neatly onto the two categories above.
Is there a completely free subscription tracker?
Yes, but free means manual. Free tiers of the manual apps, and a plain spreadsheet, cost nothing and ask you to enter and maintain every subscription yourself. No free tool automatically detects charges you've forgotten.
Can I just use a spreadsheet?
You can, and it's the cheapest option with the most control. The downside is that it's entirely manual and only ever contains what you remember to add, so it won't catch the charges you've lost track of. The spreadsheet comparison lays out where it works and where it doesn't.
Does it work with Australian banks?
SubTracker works with any Australian bank, because it reads a statement export rather than logging in. Manual apps don't touch your bank at all. The apps to avoid are the US bank-login ones like Rocket Money, which can't connect to Australian banks through Plaid.
iPhone or Android?
Several manual trackers are Apple-only, so check the Google Play listing before committing on Android. SubTracker runs in any browser, so the device doesn't matter.
Manual trackers only show what you remember. Upload a statement and see the ones you forgot, first scan free.
Most people find 3-5 subscriptions they forgot about when they actually look. Upload a bank statement to Subtracker and see every recurring charge in under two minutes. No bank login. No manual entry. $19 once.
See what you're paying forChris Raad
Chris is the founder of Subtracker. He built this tool after experiencing the pain of discovering thousands of dollars in unused SaaS sprawl just before tax time.