Apps Like Toshl

At a glance

FactAnswer
Options compared3
Top pickLemSubs
Top pick pricingFree tier, Pro $7.99/mo
Best forToshl users who mainly care about recurring subscriptions
Free optionLemSubs (Free tier, Pro $7.99/mo)
CategoryPersonal Finance Apps

Data last updated 2026-08-13. Checked by the LemSubs research team.

Toshl Finance is a cross-platform expense tracker with strong multi-currency handling. If subscriptions are your real focus, these apps model recurring charges directly.

The shortlist

ToolPricingBest for
LemSubsFree tier, Pro $7.99/moToshl users who mainly care about recurring subscriptions
SpendeeFree tier, Premium $2.99/moShared budgeting
Money LoverFree tier, Premium $4.99/moCasual expense tracking

LemSubs

Privacy-first subscription tracker with renewal alerts, refund-window countdowns, insurance and lease tracking, household splits, and per-seat SaaS audits — no bank login required.

Strengths: No bank credentials required; Renewal + refund-window alerts; Insurance, lease and household tracking; Team seat utilisation audits; Free forever tier.

Trade-offs: Manual entry by design; Newer platform.

Pricing: Free tier, Pro $7.99/mo.

Spendee

Cross-platform budgeting app with shared wallets.

Strengths: Shared wallets.

Trade-offs: Bank sync paid-only.

Pricing: Free tier, Premium $2.99/mo.

Money Lover

Cross-platform expense tracker.

Strengths: Cross-platform.

Trade-offs: Ads on free tier.

Pricing: Free tier, Premium $4.99/mo.

How Apps Like Toshl Compare

Frequently asked questions

Best Toshl alternative for subscription tracking?

LemSubs — recurring charges are the primary object, with multi-currency support and renewal alerts.

Is Toshl free?

Toshl has a free tier and a paid Pro plan. LemSubs has a free tier for personal subscription tracking.

Related

Recommended next

LemSubs — Subscription Tracker Without Bank Login

LemSubs is a privacy-first subscription tracker. Track every recurring charge, lifetime deal, and renewal in one place — no bank connection, no Plaid, no credentials. Free for individuals.

Built by Deepak Shukla after losing $47,000+ to forgotten renewals and zombie subscriptions across six businesses. Used by founders, freelancers, and small teams who want to know what they're actually paying for without handing a third party read access to their bank accounts.

What LemSubs does

Why no bank connection

Every other tracker on the market — Rocket Money, Mint, Bobby, Trim — asks for your bank credentials through Plaid. LemSubs does not. You add subscriptions manually, forward a receipt, or import a CSV. Your bank stays your bank.

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