LemSubs vs PocketGuard

Solid budgeting app, but subscription tracking is a side feature

PocketGuard is a personal budgeting app known for its 'In My Pocket' feature — a simple number showing how much safe-to-spend money you have. It connects to your bank accounts and categorizes transactions automatically. PocketGuard Plus ($12.99/month or $74.99/year) includes a 'Cancel Subscriptions' feature where they'll contact providers on your behalf, similar to Rocket Money's concierge service.

However, PocketGuard's subscription tracking is still a secondary feature within a general budgeting app. You get a list of detected recurring charges, but no spend trend analytics, no overlap detection, no health scoring, and no renewal calendar.

The bank connection requirement is also a privacy concern for some users. For users who want a general budgeting app with basic subscription detection, PocketGuard is good. For users who want deep, focused subscription management and optimization, LemSubs is purpose-built for the task.

PocketGuard pricing

Free tier, PocketGuard Plus $12.99/month or $74.99/year

PocketGuard is best for

Simple personal budgeting with 'In My Pocket' spending snapshot

Where PocketGuard wins

Where PocketGuard falls short

Moving from PocketGuard to LemSubs

  1. Open PocketGuard -> Recurring -> export or screenshot the detected list
  2. Sign up free at LemSubs — no bank credentials required
  3. Smart Import the list (CSV or paste); map name, cost, renewal date
  4. Turn on renewal alerts (7/14/30 days) and Market-Price Watch
  5. Keep PocketGuard for general budgeting if useful; LemSubs handles subs

Frequently asked questions

Can PocketGuard cancel subscriptions?

PocketGuard Plus ($12.99/month) offers a concierge cancellation service. LemSubs includes free step-by-step cancel guides for 50+ vendors you can follow yourself.

Can I use both PocketGuard and LemSubs?

Yes — PocketGuard for general budgeting, LemSubs for deep subscription management. They complement each other well.

Which is cheaper?

LemSubs is free for individuals. PocketGuard Plus costs $12.99/month ($74.99/year). LemSubs Pro costs less and includes more subscription-specific features.

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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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