Know exactly what you pay for. Outflow tracks every subscription and bill on your iPhone, iPad and Mac with on-device AI — no bank login, no account, and nothing ever leaves your device.
Only in Outflow
Every subscription tracker shows you a list of what you pay for. Outflow answers the two questions that list can't: what is this costing us, and can I actually afford it?
Your household, counted once.
Share chosen subscriptions with a partner over iCloud. Split each one however it really works — evenly, all yours, all theirs — and a joint bill counts towards your total by your share only, instead of being recorded twice in two separate apps and inflating both.
Everything you don't share stays private to you. No account, no server: it moves through your own iCloud.
A spending total is half a sentence.
£240 a month is comfortable on £4,000 of income and alarming on £1,400. Outflow tracks what arrives as well as what leaves — salary, freelance, benefits, a pension, rent — and keeps the two sides separate, so income is never quietly counted as a cost.
No bank login needed. Recurring income is predictable by definition, so you enter it once and it stays right.
New — iPhone, beta
The subscriptions that cost you most are the ones you have forgotten. Outflow can now find them in the transactions Apple already keeps on your iPhone — using Apple's FinanceKit, the framework Apple built precisely so a finance app can be useful without becoming a data broker.
The transactions are read from the on-device store. They do not travel to us — we have no server — and Apple states the data is never seen by Apple either.
Apple's own permission sheet, not ours. You choose which accounts Outflow may look at and how far back it may look, and you can withdraw it at any time in iOS Settings.
You are never asked for a bank username, password or one-time code. There is no Plaid connection and no third-party data provider between you and your own money.
Beta, and off until you turn it on: Settings › Beta › Find from transactions. FinanceKit is iPhone-only and offered by Apple in some regions — the UK needs iOS 18.4 or later. Everywhere else, scanning a statement does the same job on any device.
App screenshots
What makes it different
Most subscription trackers charge monthly fees or demand your bank credentials. Outflow does neither. Track everything privately, and pay once — or not at all.
Everything lives on your iPhone. No account to create, no server that could be breached, no analytics calling home. App Store Privacy label: Data Not Collected — the rarest badge in finance apps.
Paste or import a bank or card statement (PDF or screenshot) and on-device AI finds every recurring charge in it — then adds them all in one tap. Rocket Money's trick, without the bank login. Nothing is uploaded, anywhere.
Paste a confirmation email, screenshot, or import a PDF. On-device AI (Apple Foundation Models) reads it and fills in the name, price, billing cycle, and renewal date automatically — without sending anything anywhere.
A reminder before every renewal, a heads-up a week before big yearly charges, and a nudge before a subscription you've set to end — so you cancel in time. Plus price-change flags (red ↑, green ↓) on every subscription.
Home Screen widgets with your monthly spend and what's renewing next; Lock Screen widgets with the next renewal at a glance. Your outflow, always in view.
Free week from HelloFresh? Paused a delivery? Skip the next payment — the date moves on, no reminder fires, and your monthly and yearly totals drop until the skipped date passes.
Free for up to 5 subscriptions — genuinely useful, not a limited demo. Pro is a single one-time purchase with no annual renewal and no upsell. A subscription tracker that charges no subscription.
"Hey Siri, what renews this week?" Outflow is fully wired to iOS App Intents — Siri and Shortcuts can query your subscriptions, surface reminders, and run automations right from the lock screen.
Liquid Glass design, Dynamic Type, SF Symbols, tags and custom colours, Dark Mode, payment calendar, a 12-month Trends chart and a shareable “Your Year in Outflow”. It looks and feels like Apple built it.
New in 2.5
Outflow now runs beautifully on iPad — sidebar navigation, readable columns, every feature — and installs from the App Store on any Apple silicon Mac. Optional iCloud Backup (to your own iCloud, never our servers) keeps your data with you.
How it compares
Rocket Money links your bank and charges monthly. Bobby keeps a clean list but stops there. Outflow is private, pays once, and helps you find and cancel what you'd forgotten.
| Feature | Rocket Money | Bobby | Outflow 💧 |
|---|---|---|---|
| Bank linking required | ✕ Plaid required | ✓ Not required | ✓ Never required |
| On-device AI entry | ✕ | ✕ | ✓ Smart Paste |
| Data stored on-device only | ✕ Cloud | ✓ Local | ✓ 100% on-device |
| Pricing model | $7–$14 / month | One-time | Free + $9.99 once |
| Renewal reminders | ✓ | ✓ | ✓ + price-change alerts |
| Siri / App Intents | ✕ | ✕ | ✓ iOS 27 native |
| iPad & Mac | ✓ Web app | ✕ iPhone only | ✓ Native big-screen layout |
| Recent updates | ✓ | Last: Dec 2025 | ✓ Every few weeks |
Pricing
The free tier is genuinely useful. Pro is a one-time unlock — no subscription, no renewal, no catch.
Forever. No time limit.
Once — less than a month of Rocket Money Premium. US price; the App Store shows yours.
Questions & answers
Useful whether or not you ever install the app.
How to find the subscriptions you've forgotten about
The four places they hide, and how to check all of them in about ten minutes — no bank login needed.
Where to cancel any subscription
Direct cancellation links for 45+ services, plus the ones that can only be cancelled through Apple.
Track income as well as subscriptions
Why a spending total is half a sentence, and how to see both sides without a bank login.
Share and split subscriptions with a partner
Who pays what in a household, why a shared spreadsheet always rots, and how to count a joint bill once.
Subscription trackers that don't need your bank login
What you give up when an app asks for bank access, and what the alternatives actually do.
What is this charge on my statement?
How to identify an unfamiliar payment from the descriptor alone, including the confusing ones.
How to use free trials without getting charged
The dates that matter, and the ones companies rely on you forgetting.
How to see all your subscriptions on iPhone
Apple's own list, where it stops, and how to find everything it can't show you.
Yes, on iPhone. Outflow uses Apple's FinanceKit to read transactions already stored on the device and find the ones that repeat. You are never asked for a bank username, password or one-time code, and there is no Plaid connection. Apple's own permission sheet lets you choose which accounts Outflow may look at and how far back, and you can withdraw it at any time in iOS Settings. The data is read on-device and Apple states it is never seen by Apple. It is a beta, off until you switch it on, and Apple offers it in some regions only — the UK needs iOS 18.4 or later. Scanning a statement does the same job everywhere else.
Yes — that is Shareflows. You share chosen subscriptions with a partner or household over iCloud and set how each one is split: evenly, all yours, or all theirs. A shared bill then counts towards each person's total by their share only, instead of both of you recording the full amount in separate apps and inflating both totals. Anything you don't share stays private to you, and it needs no account or server — it moves through your own iCloud.
Yes — that is Inflows. Outflow records money arriving on a schedule (a salary, freelance retainers, benefits, a pension, rent received) alongside what you pay out, and keeps the two sides separate so income is never counted as a cost. No bank login is involved: recurring income is predictable by definition, so you enter it once and it stays right until something changes. Switch it on in Settings.
Outflow does both. Most trackers show only what leaves your account, and the ones that show income usually get it by connecting to your bank. Outflow never requires a bank login — you enter recurring income once, the same way you add a subscription — and nothing leaves your device. Its App Store privacy label is Data Not Collected.
No. Outflow never asks for a bank username, password or one-time code, and never connects through Plaid or any other data aggregator. You add subscriptions by scanning a statement, pasting a receipt, picking from the built-in catalogue or typing. On iPhone you can optionally let it read transactions Apple already keeps on the device, through Apple's FinanceKit and Apple's own permission sheet, for the accounts you choose — which involves no login either.
No. Outflow is free to download and free for up to 5 subscriptions. Pro is a single one-time purchase — $9.99 in the US, and the App Store shows your own country's price. There is no monthly fee, no annual renewal, and no upsell. It would be pretty odd to charge a recurring subscription for an app whose whole purpose is to help you spot them.
Smart Paste uses Apple Foundation Models — the on-device AI built into modern iOS — to read a pasted receipt, email confirmation, or imported PDF, then automatically fill in the subscription name, price, billing cycle, and renewal date. All inference runs on your iPhone. Nothing is sent to any external cloud API or server. It works even in Airplane Mode.
Never. Outflow has no backend server, no analytics SDK, and no account system. Every subscription, amount, and date is stored locally on your device in SwiftData. The App Store privacy label is "Data Not Collected" — the highest privacy designation Apple offers, and one very few finance apps can honestly claim.
Yes. Outflow is built for users who loved Bobby's private, manual approach but want a modern replacement. It keeps the same local-only philosophy and adds everything Bobby lacked: on-device AI for auto-fill, App Intents for Siri, renewal reminders, price-change tracking, custom colours, and a design built for current iOS. Outflow ships an update every few weeks.
Rocket Money (formerly Truebill) connects to your bank through Plaid, and its Premium plan costs roughly $7–$14 per month. Outflow requires no bank login, stores nothing off your device, and costs either nothing (free tier) or a one-time $9.99 for Pro — less than one month of Rocket Money Premium. If privacy, cost, or bank-linking is a concern, Outflow is the alternative.
Yes. Outflow runs on iPhone and iPad (iOS/iPadOS 18 or later) with a proper big-screen sidebar layout — and it installs from the App Store on any Apple silicon Mac. Optional iCloud Backup, stored in your own iCloud, keeps your data with you across devices.
Yes. Open the subscription and tap “Skip next payment” — for a free week, a trial period, or a delivery you've paused. The renewal date steps over the skipped payment, no reminder fires for it, it disappears from the payment calendar, and your monthly and yearly totals drop until the skipped date passes. One tap to un-skip if you change your mind.
Yes — Home Screen widgets (small and medium) with your monthly spend and what's renewing next, plus Lock Screen widgets so your next renewal is visible at a glance. Widgets update automatically whenever your data changes.
Yes. Outflow tracks any recurring cost — streaming services, gym memberships, insurance, software licences, rent, utilities, internet, and more. Weekly, monthly, quarterly, and yearly billing cycles are all supported. You see your total monthly and yearly outgoings across everything.