Best Chargeback App Alternatives in 2026
Chargeback (by Fooga, Inc.) is a subscription cancellation app that uses email scanning, bank linking, and AI to find and cancel subscriptions. At $144/year with no free tier, it's the most expensive option in the subscription tracker space. If you're looking for alternatives — whether because of the price, the privacy requirements, or the onboarding experience — here's an honest comparison of your options.
Quick comparison
| Chompd | Chargeback | Rocket Money | Bobby | |
|---|---|---|---|---|
| Price | Free + €4.99 once | $144/year | Free + $6–14/mo | $2.99 once |
| Free tier | Yes — generous | No | Limited | No |
| Bank account required | No | Yes | Yes (Plaid) | No |
| Email access required | No | Yes (OAuth) | No | No |
| AI detection | Screenshot + text paste | Email scan + bank | No | No |
| Fine print scanner | Yes | No | No | No |
| Cancel for you | No (guides only) | Yes | Yes | No |
| Upfront pricing visible | Yes | During signup only | Yes | Yes |
| Platforms | iOS | iOS, Android, Web | iOS, Android, Web | iOS |
Chargeback — what to know
Chargeback's main strength is its triple-detection approach: it scans your email inbox, links to your bank accounts, and offers manual entry. It also provides an auto-cancellation service where AI agents cancel subscriptions on your behalf. If you want maximum automation and don't mind the data access, it's a capable tool.
Strengths
- Multi-source detection (email + bank + manual)
- Proactive trial detection from email receipts
- AI auto-cancellation service
- Cross-platform (iOS, Android, Web)
Concerns
- $144/year with no free option
- Requires bank linking + email OAuth access
- Pricing not shown until signup flow
- No team members identified on website
- Trustpilot profile flagged for review practices
Rocket Money — the established player
Rocket Money (formerly Truebill) is the biggest name in the space with over 10 million users and the backing of Rocket Companies. It uses Plaid to link your bank accounts and identifies recurring charges automatically. Its premium tier ($6–14/month) includes human concierge cancellation. If you're comfortable with bank linking and want a full financial overview, it's the market leader for a reason.
Strengths
- Largest user base — most established brand
- Automatic subscription detection via bank
- Human concierge cancellation (premium)
- Full budgeting and net worth features
Concerns
- Requires bank account linking (Plaid)
- $6–14/month for premium features
- Uses analytics and tracking
- Corporate-owned (Rocket Companies)
Bobby — the privacy purist
Bobby is a beautifully designed, fully manual subscription tracker. No bank linking, no email, no account — just a clean interface where you type in your subscriptions. At $2.99 one-time, it's the cheapest option. The trade-off is clear: you do all the work. No AI, no automation, no detection.
Chompd — the middle ground
We built Chompd to fill the gap between Bobby's privacy-first simplicity and Chargeback's invasive automation. AI-powered detection without bank or email access — you screenshot a signup page or paste email text, and our AI identifies the subscription details and catches hidden traps in the fine print.
The trade-off is honest: we can't automatically find subscriptions the way bank-linking apps can. You need to add them or scan them yourself. But we think that's a reasonable trade for keeping your bank credentials and email inbox private.
Which should you choose?
Choose Chargeback if you want maximum automation, don't mind sharing bank and email access, and the $144/year price tag is justified by the subscriptions you'll cancel.
Choose Rocket Money if you want a full financial dashboard with budgeting and net worth tracking, and you're comfortable with bank linking through Plaid.
Choose Bobby if you want the absolute simplest, most private option and are happy to manually enter everything.
Choose Chompd if you want AI-powered features — especially the Trap Scanner — without giving up your bank login or email access. If privacy matters to you but manual-only feels limiting, we built this for you.
Try Chompd free
Track up to 3 subscriptions and get 3 free AI scans. Try Pro free for 7 days with 5 AI scans — then €4.99 once, forever.
Download on the App StoreFrequently asked questions
Can Chompd automatically detect my subscriptions like Chargeback does?
Not automatically from bank or email — that would require access we don't want. Instead, you screenshot signup pages or paste confirmation emails, and our AI extracts the details. You can also add subscriptions manually or search our database of popular services.
Does Chompd cancel subscriptions for me?
Not directly. We provide step-by-step cancellation guides with deep links, difficulty ratings, and refund request templates. We think this is more transparent than opaque concierge services where you're never quite sure what happened.
Why doesn't Chompd link to my bank?
By design. Bank linking requires sharing your credentials with a third-party aggregator, and we didn't want to ask for that. We're exploring Apple FinanceKit integration as a future privacy-respecting alternative.
Is €4.99 really a one-time price?
Yes. One payment, yours forever. No subscriptions, no annual renewals, no price increases. A subscription tracker that's itself a subscription felt wrong.
Is Chompd available on Android?
iOS only for now. We're a one-person operation — Android is on the roadmap but we want to get iOS right first.