Why there is no bank connection
Trackers that read your bank account go through a data aggregator and see every transaction you make. The connection is also where they break: in one 2026 review of Rocket Money’s negative reviews, 150 of 765 were about bank linking failing. Bank linking is unavailable in many countries, too. Lapsa works anywhere, in any currency.
What Lapsa stores
- Your name and email address.
- Your password, only as a bcrypt hash. Nobody can read it back, including us.
- The subscriptions you add: name, price, billing cycle, dates and notes.
- Your reminder settings and time zone.
- A device token, if you allow push notifications.
Nothing from your bank, because there is no connection to one.
Your data leaves whenever you want
Export your subscriptions and payments as spreadsheets, or the whole account as JSON, in one tap. The calendar feed of your renewals has a private link that you can revoke at any time.
What you give up
Lapsa will not find subscriptions you have forgotten about. It tracks what you add. The quickest way to start is to go through the last two months of your bank statement once and add every recurring charge you find. After that, Lapsa does the remembering.