LemSubs vs PocketSmith
Long-range cash-flow forecasting with calendar view — strong on projections, lighter on subscription specifics
PocketSmith is a New Zealand-built personal-finance app whose unique angle is long-range cash-flow forecasting on a calendar — schedule recurring income and expenses, drag them around, and see your bank balance projected 6 months or 30 years ahead.
It supports bank feeds in 100+ countries via Yodlee, manual accounts, and budgets. The forecasting calendar will include subscriptions if you set them up as recurring expenses, but there's no dedicated subscription portfolio view, no trial-expiry alert, no overlap detection, no health score, no cancel guide.
Paid tiers start at $9.95/month and climb to $39.95/month. LemSubs is narrower and sharper on subscriptions specifically — and includes a 12-month cash-flow forecast tuned to your subscription portfolio at $7.99/month.
PocketSmith pricing
Free (limited); Foundation $9.95/mo; Flourish $19.95/mo; Fortune $39.95/mo
PocketSmith is best for
Users who want long-range, calendar-style cash-flow forecasting across all spending
Where PocketSmith wins
- Best-in-class long-range cash-flow forecasting
- Global bank-feed coverage via Yodlee
- Flexible scenarios and what-if modeling
- Strong calendar view for upcoming expenses
Where PocketSmith falls short
- No dedicated subscription portfolio view
- No trial-expiry alerts or overlap detection
- Paid tiers escalate quickly ($9.95–$39.95)
- Bank-feed reliability varies by region
Moving from PocketSmith to LemSubs
- In PocketSmith, filter Recurring transactions in the calendar view.
- Export the list of merchants, prices, and next-charge dates.
- Sign up for LemSubs and pick a workspace.
- Add each subscription manually or via CSV import.
- Turn on renewal and trial alerts.
- Keep PocketSmith for whole-life cash flow; use LemSubs for subscriptions.
Frequently asked questions
Is LemSubs a PocketSmith replacement?
No — PocketSmith forecasts all of personal finance. LemSubs is the subscription layer, with its own 12-month cash-flow view.
Does PocketSmith have trial-expiry alerts?
No. It treats subscriptions as generic recurring expenses on a calendar.
Can I import bank data into LemSubs?
By design, no. LemSubs is manual-first to keep the privacy posture. Upload statements or use the smart import instead.