Farmers’ climate perceptions guide adaptation, but previsouly they have been tested against weather stations rather than soil moisture, which matters more for crops. We used surveys of 1,171 Zambian farm households after the 2016 harvest recalled onset dates for recent and earlier seasons. In our analysis each farmer’s own onset rule was compared with local rainfall and modeled soil moisture. Some 88% reported rains arriving 21.9 days later than a decade ago, yet the mean perceived onset for the latest season nearly matched the physically derived mean. Recall bias sets in as early as a year after harvest, and planting rules track maize planting dates, so policy should target current variability over future change.