Grade your subscriptions . No bank login required.

You have 12 subscriptions. You think you have 5. SubGrade gives each one an A-F grade based on what you actually get out of it — not just what it costs. Before each renewal, swipe to keep or kill. No bank password. Nothing leaves your phone.

Download Free on the App Store See how it compares to Rocket Money

See why you need this

The Problem

Sound familiar?

$219

Average monthly spend

You're paying $219/month on subscriptions

The average American spends $219/month across 12 subscriptions (C+R Research 2025). Most people think they spend half that. The ones you forgot about are the expensive ones — because you're getting zero value from them.

58%

Won't link bank accounts

The best tracker wants your bank password

Rocket Money finds your subscriptions automatically — but it needs your bank login through Plaid. 58% of consumers won't do that (PYMNTS 2025). If you're one of them, your options have been bad. Until now.

$0.60

Netflix cost-per-use (grade A)

Every tracker tells you what you spend. None tells you what it's worth.

Netflix at $17.99/month used daily costs $0.60 per use. That's grade A — worth every penny. Your gym at $49/month visited twice costs $24.50 per visit. That's grade D. The grade changes the decision from 'should I cancel?' to 'obviously.'

Overlap rules built in

You're paying twice for things you already have

YouTube Premium includes YouTube Music — so why are you also paying for Spotify? Amazon Prime includes Grubhub+ — did you know? SubGrade catches 42 types of overlap across streaming, fitness, cloud storage, and credit card perks.

Before SubGrade

Check bank statements manually every month (you won't)

Hand your bank password to Rocket Money and hope they don't get breached

Use Bobby and miss renewal reminders because notifications are broken

Keep paying for that gym membership because cancelling feels like effort

Discover next year that you've been paying for 3 streaming services that overlap

After SubGrade

Add subscriptions in 30 seconds — 30 templates with real cancel links built in

See an A-F grade for every subscription based on how often you actually use it

Get keep-or-kill swipe cards 3 days before each renewal — the math is already done

Get alerted when subscriptions overlap — stop paying twice for the same thing

Store cancellation proof with timestamps — documentation when companies try to charge you after you cancelled

Find out what your subscriptions are really worth

Free for your first 5 subscriptions. No credit card, no bank login, no account. Takes 2 minutes to add your first subscription and see your grade.

Download Free on the App Store