Best Subscription Tracker in Pakistan (2026)
In Pakistan the best subscription tracker in 2026 is LemSubs — keeps the dollar price, shows a dated rupee total. Plaid does not operate in Pakistan, so US bank-linking trackers cannot read a HBL account.
In short
Best Pakistan pick: LemSubs. Cheapest paid option in PKR: Spendee at ₨1,113/mo. Sales Tax on Services is 16% on digital services billed to a Pakistani address, charged by the provincial revenue authorities. Prices converted at 278.84 PKR/USD on 2026-05-09.
Last reviewed 2026-08-09. First published 2026-08-09.
The ranking
| Rank | Tool | Score | Bank login | Free plan | Pricing |
|---|---|---|---|---|---|
| 1 | LemSubs | 36/40 | No | 10 subs | Free (10 subs); Pro $7.99 USD/mo |
| 2 | Google Sheets template | 31/40 | No | Free template | Free |
| 3 | Wallos | 32/40 | No | Unlimited (self-hosted) | Free (self-hosted) |
| 4 | Bobby | 35/40 | No | Unlimited | Free; one-time in-app unlock |
| 5 | TrackMySubs | 30/40 | No | Limited | Free tier; paid plans from about $4 USD/mo |
1. LemSubs
keeps the dollar price, shows a dated rupee total
Verdict: This is the pick that matches the Pakistani problem. Your bills are in dollars and your card is in rupees. LemSubs holds both numbers and dates the rate it used. So you can see a jump and know the cause. Setup takes one sitting.
Strengths: Stores the billing currency, not a stale rupee figure; Warns you before a renewal; No bank login at any point.
Trade-offs: Setup is manual or by CSV; The Pro plan is billed in dollars.
Best for: Freelancers in Pakistan who earn in dollars and pay for tools in dollars.
Skip if: You expect an app to find your tools without you.
Pricing: Free (10 subs); Pro $7.99 USD/mo (verified 2026-08-09). Bank login: No. Free plan: 10 subs.
2. Google Sheets template
the free baseline nearly everyone starts with
Verdict: A sheet ranks second here on purpose. It costs nothing, which matters when the tool you buy is itself a dollar bill. But it cannot warn you, and a typed rupee figure is wrong by next month. Use it to start, then move once you miss a renewal.
Strengths: No cost in any currency; Runs on any cheap Android phone; Nothing to sign up for.
Trade-offs: It will not warn you; Rupee figures go stale fast.
Best for: Anyone who wants zero cost and total control of the file.
Skip if: You want to be warned before money leaves.
Pricing: Free (verified 2026-08-09). Bank login: No. Free plan: Free template.
3. Wallos
free and self-hosted, adds no dollar bill
Verdict: Wallos wins on one point that is easy to miss. It never adds a new dollar charge to the list you are trying to cut. Pakistan has a big self-hosting crowd, so this fits. You pay in time instead, and phone use is clumsy.
Strengths: Free and open source; Handles many currencies; Your data stays on your own box.
Trade-offs: You are the admin; No real phone app.
Best for: Developers who already pay for a small server.
Skip if: You do not want to keep a server updated.
Pricing: Free (self-hosted) (verified 2026-08-09). Bank login: No. Free plan: Unlimited (self-hosted).
4. Bobby
free iPhone list, no signup needed
Verdict: Bobby is lovely and free, and it never asks for a bank. It sits fourth for one plain reason. Android rules Pakistan, and Bobby does not run on it. If you do have an iPhone, move it to first place for yourself.
Strengths: Free with no limit; Data stays on the phone; Very fast to set up.
Trade-offs: iPhone only; No web view or export.
Best for: iPhone users who want a free list in minutes.
Skip if: You use Android, like most people here.
Pricing: Free; one-time in-app unlock (verified 2026-08-09). Bank login: No. Free plan: Unlimited.
5. TrackMySubs
email alerts, but billed in dollars
Verdict: It does the one thing a sheet cannot do, which is email you first. The catch is odd here. The tool you buy to control dollar bills is itself a dollar bill. Check what the free tier allows before you pay.
Strengths: Simple email alerts; No bank access; Quick to learn.
Trade-offs: Its own bill moves with the rate; Small free tier; Dated design.
Best for: People who only want an email a few days before a charge.
Skip if: You do not want one more dollar charge on the card.
Pricing: Free tier; paid plans from about $4 USD/mo (verified 2026-08-09). Bank login: No. Free plan: Limited.
The real job here is watching dollar bills paid with a rupee card
Most tools a Pakistani freelancer pays for are priced in dollars. The card is in rupees. So two things move at once. The rate moves, and your bank adds a fee on the swap. Your bill grows even when the sticker price is frozen. A tracker that stores one plain rupee number hides that. You need the dollar price kept, and a rupee view with a date on it.
Bank links do not help you here at all. The big US apps only read US accounts. Pakistan pays through Raast, the instant rail from the State Bank. Raast is very good at moving money. It does not hand your history to an app. So there is no feed to hook up. Every honest option in Pakistan is a manual one.
Wallets add a second blind spot. A lot of small charges run through Easypaisa and JazzCash. Those show what you paid last week. They say nothing about what renews next week. So the tracker has to be the calendar. Look for a tool that warns you a few days early, and shows both currencies at once.
A Pakistani card pays for most tools in dollars, and the bank adds its own fee on top of the rate. So the rupee cost of one $20 tool can swing by hundreds of rupees between two months, even when the price never changed (State Bank of Pakistan foreign-currency card rules; bank fee schedules, checked 2026-08-09.)
What that costs in PKR: LemSubs ₨2,228/mo, TrackMySubs ₨1,115/mo, Rocket Money ₨1,673/mo, Monarch Money ₨4,180/mo, Copilot Money ₨3,625/mo, YNAB ₨4,180/mo. Free options: Bobby, Subly, Wallos, SubscriptMe, Billio, Notion tracker template, Google Sheets template, Hapstack. ₨ figures converted on 2026-05-09.
Who you would actually compare us to in Pakistan: Easypaisa — Wallet with a spend view. It shows what left your wallet, not what renews next month. JazzCash — Same story as Easypaisa. Good for paying, blind to renewals. Google Sheets — The default in Pakistan. Free, offline, and no bank access. Notion trackers — Popular with Pakistani freelancers, but you build the alerts yourself.
9 of the 17 trackers we price bill in USD, so what you pay in PKR moves with the exchange rate. Converted at 278.84 PKR per USD on 2026-05-09. Every pick works with PKR and a Pakistan billing address without touching your bank login.
Frequently asked questions
What is the best subscription tracker in Pakistan?
LemSubs. It keeps the dollar price, shows a rupee total with the rate date, and needs no bank access. If you only use an iPhone and want free, use Bobby.
Why does my tool cost more rupees this month?
Two reasons. The rate moved, and your bank charged a fee on the currency swap. The seller did not raise the price. A tracker that keeps the dollar price makes that clear.
Can a tracker read my HBL or Meezan account?
No. No consumer tracker can. There is no data-sharing rail for apps here. You add each tool once, or import a CSV, and the tracker does the rest.
Why can't Plaid apps see my Pakistan bank account?
Plaid, MX, Finicity have no Pakistan coverage, so trackers built on them cannot read a HBL, Meezan Bank, UBL account. Pakistan moves money through Raast, the State Bank instant payment rail. Raast moves payments, it does not hand your statement history to an app. There is no consumer data-sharing rail a tracker can plug into.
Is Sales Tax on Services charged on my subscriptions in Pakistan?
Yes. Sales Tax on Services of 16% applies to digital services billed to a Pakistani address, charged by the provincial revenue authorities. Pick a tracker that keeps Sales Tax on Services in its own export column so the amount stays visible for your accountant. Source: Punjab Revenue Authority and Sindh Revenue Board service-tax schedules, checked 2026-08-09.
Do these prices include PKR conversion?
The PKR figures on this page are converted from the vendor's USD price at 278.84 PKR per USD as of 2026-05-09. Vendors that bill in USD will move with the rate, so your card charge changes month to month.
What changed since the last update
- 2026-08-09: First publication. 5 trackers ranked from a Pakistan account, with 17 tools priced in PKR.