Two very different tools for managing subscriptions
Monarch Money is a full budgeting platform ($99/year or $14.99/month) that connects to your bank via Plaid and tracks all spending, including subscriptions. Just Cancel does one thing: finds your subscriptions from a bank statement you upload, then gives you direct cancel links. $5 once. No bank login. No ongoing cost.
Just Cancel
Monarch Money
If you want a full financial dashboard — budgets, net worth tracking, investment monitoring, multi-account aggregation, and household financial planning — Monarch Money is excellent. It replaced Mint for a lot of people and does the job well.
Subscription tracking is just one feature of many. If you're already paying $99/year for Monarch, you get recurring charge detection included.
If you just want to find and cancel subscriptions right now, spending $99/year on a budgeting tool is overkill. That's adding a new subscription to solve your subscription problem.
Just Cancel costs $5 once. Upload your statement, get your subscription list with cancel links, and you're done. No account to create. No bank credentials to hand over. No app to remember to cancel later.
For people who don't trust connecting bank accounts to third-party apps (and there are good reasons not to), Just Cancel is the only option that works without any bank connection at all.
Monarch Money
Connects via Plaid to access your bank transactions. Your data is stored on their servers (encrypted). They see your full transaction history across all linked accounts. Requires ongoing access to function.
Just Cancel
You upload a single statement file. It's processed in memory and deleted immediately. Results are stored in your browser only. No bank credentials, no Plaid, no server-side storage of financial data.
Cost to find and cancel your subscriptions:
Monarch Money: $99/year (or $179.88/year if paying monthly)
Just Cancel: $5 once
If subscription tracking is all you need, Just Cancel saves you $94+ in the first year alone. If you need a full budgeting platform, Monarch is worth considering.
Monarch Money is a budgeting app that includes subscription tracking. Just Cancel is a subscription finder that costs 95% less. Pick the tool that matches your actual problem.
Upload a bank statement. AI finds every recurring charge. $5 one-time.
Try Just Cancel →