An iPhone subscription tracker should do three things: find recurring charges beyond Apple’s own list, show a monthly total, and let you cancel on the merchant’s page. Settings, then Subscriptions, is not a full tracker. It only shows what Apple bills.
Apple’s list vs everything else
Apple Music, iCloud+, TV+, Arcade, App Store trials: Settings. Netflix started in a browser, a gym, a VPN, Adobe: not there. You need mail or a statement for those. How to find forgotten subscriptions.
What “safe” looks like
Read-only Google or Microsoft sign-in. No password field for Gmail. No archive of your inbox. A way to disconnect and delete tokens. Unwanted Subscription is built that way. Write-up: is inbox scanning safe and the Privacy Policy.
What it should not claim
It should not log into your bank. It should not cancel Netflix for you. Those products exist and they fail when the merchant changes a button. A guide plus the official cancel URL is slower and actually works. See features and cancel guides.