A subscription tracker that never asks for your bank login

What a bank-linked tracker asks for

Most subscription trackers find your subscriptions by reading your bank transactions, and to read them they need access to your account. Rocket Money asks you to enter “your username and password that you’d use to access your bank account online” through a third-party linking provider, and says that after you link, transactions usually appear right away but can take up to 24 to 48 hours (Rocket Money help center, April 2026).

Plenty of people are fine with that. If you’d rather keep your banking login to yourself, you can track the same subscriptions from what you know about each one: its name, its price and the day it charges.

How Kelo works without your bank

1. Add each subscription or bill once. Type the name, the amount and how often it charges: every week, every month, every three months, once a year, or a custom cycle counted in weeks, months or years. Kelo recognizes nearly 300 popular services and shows their logos.
2. See the month before it happens. Kelo adds up what this month already owes and lists each upcoming charge with its date. A home screen widget shows how your month is going without opening the app.
3. Get a heads-up before each charge. With Premium, Kelo sends a notification 1, 2, 3, 5, 7 or 14 days before each renewal, in time to cancel a free trial or a service you stopped using.

One-off spending, like coffee, groceries or fuel, goes in the same app, free and without a limit.

What Kelo does, and what it doesn’t

Kelo does:

• Track subscriptions, bills and one-off expenses in one list.
• Handle weekly, monthly, quarterly, yearly and custom billing cycles. Why the cycle changes your yearly total.
• Show monthly and yearly totals in 47 currencies and 10 languages.
• Remind you before each charge (Premium).
• Log a purchase when you pay with your iPhone, through a Shortcuts automation (Premium). iOS runs it when your bank reports the payment in time, and some banks report late.

Kelo doesn’t:

• Connect to your bank or read your transactions.
• Find subscriptions you forgot. This guide covers the five places to look.
• Cancel subscriptions or negotiate bills for you.
• Come as an Android app, or as its own iPad or Mac app. A Mac with Apple silicon can install the iPhone version.

Bank-linked or manual, side by side

	Bank-linked tracker	Kelo
What you share	Your online banking login, through a third-party provider	Nothing from your bank
What it sees	Transactions after they post	The charges you add, before they happen
Forgotten subscriptions	Finds them in your transactions	You add them yourself
Apple subscriptions	A charge from apple.com/bill, which Apple says can be apps, subscriptions or other purchases	Each subscription by its own name. The four Apple screens to check
Where it works	Rocket Money is listed only in the US App Store	Any bank, 47 currencies, 10 languages

Where your data stays

Kelo never asks for your bank login. Without Premium, the expenses you add are saved on your iPhone. With Premium, Kelo also syncs them to its own server.

What it costs

Kelo is free to start: your first recurring expenses and as many one-off expenses as you want. Premium costs $4.99 a month or $29.99 a year on the US App Store. It unlocks unlimited recurring expenses, reminders, the full calendar, budgets and goals, automations and sync.