Best subscription trackers in the UK (2026)

A subscription tracker finds the payments that repeat on your accounts, so you can see what you pay for and decide what to keep. In the UK the list is made of direct debits, standing orders, card subscriptions that run on a continuous payment authority, and app store payments. The best subscription trackers for UK users in 2026 are Era, Emma and Snoop, and the best one for you depends on whether you want to be shown a list or to ask questions about it.

What should a subscription tracker find?

A good tracker finds every kind of repeat payment, not only the obvious monthly ones. That means direct debits, standing orders, card payments made under a continuous payment authority, annual renewals that are easy to forget, and charges that have gone up in price since they started.

It should group them, add up what they cost in a month and a year, and keep watching for new ones.

The best subscription trackers in the UK

Era lets you ask your own assistant: "show me all my recurring charges", "which have gone up in price?", "what would I save if I cancelled the three I use least?" The assistant answers from every account you have connected, and you can add a rule in plain English so that a new recurring charge is flagged when it first appears. The memory is shared, so when you tell Claude which subscriptions you want to keep, ChatGPT knows it too.

Emma finds subscriptions as part of its everyday spending view, with free and paid plans. See Emma app alternatives.

Snoop looks for bills and subscriptions where you could pay less, with a free plan and Snoop Plus at £5.99 a month or £47.99 a year. See Snoop alternatives.

Your bank's own app may list your direct debits and standing orders, which is a useful start and covers only that one bank.

How do I find every subscription on my card?

Connect your accounts and cards, then ask your assistant to list every payment that repeats. It reads at least a year of transactions across every card and account, groups the payments by merchant and adds up what they cost each month and each year, which is far quicker than opening a statement for every month.

Our guide on how to see every subscription on your card has the steps, and the longer walk-through is in how to find the subscriptions you forgot about.

How do I cancel what I find?

Cancel with the company where you can, and ask your bank to stop the payment where you cannot. The page on cancelling a subscription through your bank explains how, and if a PayPal payment is involved, see finding PayPal subscriptions.

See cancelling a subscription through your bank and finding PayPal subscriptions.

How do the best subscription trackers compare?

Emma and Snoop show you the list inside their apps, and Era lets your assistant answer questions about it. The table sets out how they differ on the points that matter when you are hunting for payments you have forgotten.

What kinds of subscription are easy to miss?

The easy ones to miss are annual renewals, small monthly payments and anything taken from a card you rarely look at. A yearly software licence, a trial that rolled into a paid plan, a magazine you forgot, and an app store payment all fall into this group.

A list built from a full year of transactions catches the payment that appears only once, which a single month's statement never shows. Price rises are the other blind spot. A subscription that costs a little more each year is hard to notice when it is one line among hundreds. A tracker that compares each charge with the last one, or an assistant that you can ask which payments have gone up, picks these out. Ask for anything that has increased in the past twelve months, and check the answer against the original sign-up email.

What can I ask an assistant about my subscriptions?

Once your accounts are connected to Era, the questions are the ones you would ask a careful friend with your statements in front of them. They are short, and the answers come from your own transactions across every account and card.

• Show me every payment that repeats, grouped by what it costs each month and each year.
• Which of these have gone up in price since I started paying them?
• Which ones have I not used, judging by what else I spend on?
• If I cancel the three I use least, what do I save over a year?
• Tell me when a new recurring payment appears.

The last one becomes a rule that Era applies as new transactions arrive, and because the memory is shared, the subscriptions you tell Claude you want to keep are known to ChatGPT and Gemini as well.

How do I stop a payment that will not stop?

Start with the company, then go to your bank. A direct debit can be cancelled at your bank, which takes effect straight away, and the Direct Debit Guarantee protects you if a payment is taken in error. A card payment made under a continuous payment authority can be cancelled with the company or through your card provider.

Keep a note of the date, who you spoke to and what they promised, because a clear record makes any later request to your bank much simpler. If a company keeps taking payments after you have cancelled, ask your bank to reverse them. The guides to cancelling through your bank and finding PayPal subscriptions, linked above, cover each route.

Can a shared household track subscriptions together?

Yes. Many households pay for the same streaming service twice, or for a family plan that nobody in the house actually uses. Era's shared spaces let you and a partner or housemates put chosen accounts into one view, so recurring payments across the household can be listed together.

You can also split the cost of a shared subscription, mark it as paid and undo it if you change your mind. Everyone sees the same figures for whatever has been shared, and anything you have not shared stays private to you.

Which tracker should I choose?

Choose Emma or Snoop for an app that shows the list without being asked, and with free and paid plans. Choose Era if you would rather ask Claude, ChatGPT or Gemini, with your whole financial picture, your household and your documents behind the answer.

Era connects accounts across the US, the UK, Canada, France, Germany, Spain, and 40+ countries in all, and the pricing page shows what each plan includes.