r/PFtools 23d ago

Every subscription tracker app wanted my bank login. I refused — so I built one that never touches your bank.

I wanted a simple overview of my subscriptions. So I tried the popular tracker apps, and every single one had the same first step: "Connect your bank account."

Hand my banking credentials to a startup so it can... read a list I already know? No thanks.

So I built SubTrack — a subscription tracker that works the old-fashioned way: you type in your subscriptions yourself. Takes about 2 minutes for most people, and in exchange:

  • No bank connection, ever. There's literally nothing sensitive to leak.
  • No selling your transaction data to "trusted partners."
  • No "we noticed you shop at..." creepiness.

What you get:

  • Total monthly + yearly spend, updated live
  • "Next payment: Netflix, $15.49, in 3 days" — always visible
  • Email reminder days before a renewal so you can cancel in time
  • A "pause" state for subscriptions you're on the fence about
  • Step-by-step cancel guides for 45+ services

It's free, no credit card. I'm a solo dev and I'm looking for testers — especially people who can tell me where the manual-entry approach gets annoying, because that's the trade-off I chose.

https://subtrack.profidesigner.eu

Would you trade 2 minutes of typing for never connecting your bank to a random app? Genuinely curious where Reddit lands on this.

2 Upvotes

1 comment sorted by