Yes.
I say the Rosary without the beads (I do not consider it a necklace-never) all the time. I often use my fingers to count out the ten 'Hail Mary’s" in each of the decades. I do the same when praying the Divine Mercy Chaplet.
Friends often offer me their extra Rosary when we pray together and I tell them “I’m fine with my fingers.” It seems to drive them batty, which I don’t understand. Really, I’m fine!